My newly adopted rescue puppy has had every claim denied and Healthy Paws says it's due to his pre-existing conditions. He had a bit of a cough at his first wellness exam and Healthy Paws has taken the opportunity to lump everything, including a bout of diarrhea, into one diagnosis and not pay. When I asked for more detail on the Explanation of Benefits they were rude and short with me. Barely anything went towards the total deductible. This insurance would be fine if all you need is catastrophic coverage. But there is no wellness coverage. Read carefully before you sign up.