Health Paws get consistently excellent reviews, and like Trupanion and Nationwide, they give you 90% back and have an unlimited plan. However, and this is a BIG however, when your pet gets to 6 and then again at 8 years old, your reimbursement levels drop a lot, down to 60% at 8 years old onwards. At the same time, your deductible also rises to $750 at 8 years old. This is the only pet insurer we know of where coverage reduces as your pet gets older, which is when you’re more likely to spend money at the vet. Despite the reviews, we’d still avoid this plan because although coverage is fantastic for younger pets, if you have a claim during the younger years, this will be treated as a pre-existing condition if you swap insurers later on once your pet starts to get reduced payouts from Healthy Paws and so you’re then stuck with choice of having reduced coverage elsewhere or reduced payments from Healthy Paws.