I have healthy paws. 90% payout and 250$ deductible. They have been fabulous. Just yesterday I got a claim processed in less than 5 minutes. They send the checks very fast as well. I do agree that it is more beneficial if you get it while your dog is young since most of the companies will not cover pre-existing conditions. Some do not cover the cost of the vet visit and most do not cover preventative stuff like booster shots.
Example of a pre-existing condition: you mention your dog has been itching at his ears. Weeks or months later you go back in and your dog is diagnosed with an ear infection. This will most likely be considered a pre-existing condition. Healthy paws has been great and honestly has paid me or for a lot of stuff I thought would be considered pre-existing.