Best Pet Insurance? Reddit, Please Help!

I’m trying to find the best pet insurance that actually pays out claims and doesn’t hit me with crazy premium hikes. I’ve been researching options, but the fine print is confusing, and I don’t want to pick the wrong one.

For those of you who have filed claims, which companies have treated you fairly? And which ones should I avoid at all costs?

Would love to hear your experiences before I commit to a plan!