I insured my best friend with Healthy Paws when he was about 12 months old and I did never have a health issue.
Unfortunately My best friend had to go thru surgery in the middle of COVID-19 pandemic, worst moment for this to happen with all the craziness and all of us being impacted financially.
FORTUNATELY, he was insured and to my surprise the process of the claim with Healthy Paws was very smooth and transparent. This is something you should always look for an insurance company.
I 100% recommend Healthy Paws for your pet.