I use Nationwide Whole Pet, and while it’s expensive at $250 per month, I thought my dog might have more health issues than he has had, so I opted for comprehensive coverage. It gives me peace of mind knowing I have good coverage.
I chose Trupanion because they seem to pay out the best and have the best coverage overall if you can afford it. Some vets I’ve worked with have also recommended Trupanion.
I went with Healthy Paws because they have annual deductibles, which made more sense to me than Trupanion’s deductibles by condition. This means I only have to meet a certain amount once per year before they start reimbursing me.