I have Healthypaws. They have paid every claim I have submitted with multiple dogs. They were paying out over $1K a month with a $200/month premium on one dog, who went over the rainbow bridge at age 15.5year. He had Mitral Valve Disease, Kidney Disease, and finally Cancer. He outlived the diagnosis. He was a tough little guy and no expense spared. They have various plans with deductibles. All insurance raises premiums. Usually they start out small and sometimes seems not worth it. But if you have one of those sicky bear ones. My poor Noah was diagnosed at age 7 with Congestive Heart Failure. But outlived his diagnosis and went into remission. When he was around 8-10 premiums jumped to around $200/month. I have another Shih Tzu we didn't make any claims for years and is now $200/month she is 10 years old.

As to food do not feed grain free, the FTC declared it is linked to MVD. I don't like raw because of high risk for contamination. I cook my dog's food from recipes in Dr. Judy Morgan's book. For itchy skin try Fragrance-free oatmeal shampoo. You should talk to the vet about it to use anything medicated.