Healthy Paws is on average $50/dog. Older dogs can be more (my 11 y.o. is $80). They won't cover hips if the dog is over a certain age (6, I think) at the start of the policy. They will cover them in the younger dog, after a 1 year waiting period, if it's not a pre-existing condition -- they're covering Adequan therapy indefinitely for one of mine!
Over the last 12-mo period, they've paid out close to $10,000 for one of my dogs -- a freak fetch accident caused a major dental injury, and we had an unexpected diagnosis of a curable form of cancer (but the cure is WAY expensive). I didn't have to blink over the cost to get this dog best-of-the-best specialty care, including the new DNA-based cancer vaccine therapy to teach his immune system to target and destroy cancer cells if any were left after surgery, or it comes back. Healthy Paws covered it all at 90% -- with no hassle.
You have to be choosy though. We have excellent threads on what to look for, what companies have that, and why to avoid other companies (including a Sticky thread that's been updated recently).