Go with Healthy Paws, insurance is for emergency, not wellness. VPI will also raise your rates as your pup ages. We had VPI for 13 of our Sig's 14+ years, they covered 40%-60% of claims, the wellness cost more in premiums then if you paid out of pocket. HP's 90%, $100 annual deductible is $38 with no limits, that's hard to beat.
I started a thread about having a savings account rather then having VPI again, till others here got me researching other insurance companies.
Heres a list of companies, call them and ask what they cover versus cost, then calc it out to see value
Compare dog insurance - Pet Insurance Review
understand what benefit schedule means, it doesn't mean 90% of bill