I've had Healthy Paws for a couple of years now and I LOVE them! I did my research before going with them and even now I can honestly say they are unparalleled in the pet insurance world. You simply will not find anyone that has better coverage or customer service.
I faxed in Stormy's medical records to be assured that there wouldn't be anything considered pre-existing and since they had her records, when I finally made my first claim, I received my reimbursement within 3 days. I cannot say enough good things about this company. Their prices did recently go up, but unfortunately that seems to be pretty standard.
The routine care exemption shouldn't be a deal breaker, in my opinion. The purpose of insurance is for illnesses and accidents that can get costly, wellness visits don't fall under that umbrella. Just my two cents!