I am a veterinarian and also have Healthy Paws for both of my dogs. While they usually cover what they say they will, their customer service is terrible. I have had numerous issues where they didn't cover as much as they should have and typically have had to send multiple emails and make numerous phone calls to get the problem corrected. At times, I have sent them all the medical records and still received automatic emails saying they can't process the claim because I haven't provided documentation.
Another problems is that they will not cover any claims on which I am the veterinarian of record. Therefore, any time I run bloodwork for example on my own dog, they will not cover it. I definitely do not recommend this insurance if you are yourself a veterinarian. If you have a lot of patience for terrible customer service and are not a veterinarian, you could consider it as a "good deal" as far as cost for covereage.