I have been using Healthy Paws insurance since adopting my Lab puppy Reilly in Jan. 2012. Choosing Healthy Paws was one of the BEST pet- owner decisions I could have made! Being a typical crazy Lab puppy, Reilly has had quite a few mishaps...and I have been very pleased at the rate at which I've been reimbursed for the care he has received, and especially the customer service I've gotten! The staff is extremely helpful and competent, and I always receive my reimbursement immediately!! Initially, I wasn't sure if pet insurance was something that would be necessary, but I am SO happy I chose Healthy Paws to help me take care of my pup! They are the best!