So glad you are back to posting about this topic, kr16!!!
OP, there probably dozen threads from the past 2 years with RL experiences with Healthy Paws (a lot of people on the forum seem to have it), and a few with Trupanion. You need to understand how Healthypaws calculates benefit payments (it's a little non-intuitive, but it's fully disclosed). As I've mentioned on other threads, if you decide you are interested in HP, PM me if you want a discount code and referral link that I'm allowed to share for a German Shepherd rescue's adopters, friends, and supporters that gets you 10% off their premium for life, and generates a small donation from HP for the rescue.
As I say in every thread, READ THE POLICY DOCUMENT of any policy BEFORE you buy it. Not just the reviews (some of the pet insurance review sites are veiled marketing pages for one company or another)...Not just the marketing web pages (which may or may not even be accurate). I mean read the actual fine print of the policy contract -- if it's not posted, they'll send you a copy upon request. Yes, it's dry and boring, but it's absolutely necessary.
Last edited by Magwart; 05-21-2017 at 11:55 AM.