I was referred to Healthy Paws by a friend who absolutely loves it. Her dog was hit by a car (he's okay! Just a few bruises) and she said she was very happy with Healthy Paws and that she received her check back quickly. My mother and I did our research before committing to any insurance company and this one seemed to be the best one out there. My dog got sick only a few months after we registered. We were so glad to have this insurance when he got sick because we know how expensive hospital bills could get and it was definitely peace of mind knowing that it wasn't all coming out of our pockets. The staff that I have spoken with, whether through email or by phone (a different person every time), has been so helpful and friendly. Will recommend to anyone with a pet!