Typically I have very little trust in insurance companies so I was extremely skeptical on if I should insure my yorkie puppy Rupert. I went back and forth with the idea and finally settled on the $50 deductable, 90% coverage plan. We recently had to take Rupert to the emergency room for something, (we're still not positive what it was) and the bill was more than I could afford. Healthy Paws covered exactly everything they said they were going to. The customer service was amazing. The claims process was extremely easy. They processed my claim quickly and I had my payment in hand 2 weeks after the claim was filed. I'm sad to say that my dog's health insurance company is better than mine. I would reccommend this company to anyone with a pet. Its SO worth it! You always think that you're not going to need it, but eveyrthing can change in a matter of a second and its always when you need it the least. I wish every company I had to deal with on a daily basis was as good as Healthy Paws. A company that does what they say they're going to do.... imagine that!!!!