Healthy Paws is a great service! They've provided my pup with great insurance from the moment we signed up. As a graduate student, money was already extremely tight and i had to choose between getting insurance and being safe, or saving a few bucks every month for the long term. I'm glad that iwent with the former choice because Healthy Paws has beem nothing but helpf. My young pup has been suffering from a very sensitive stomach and having to go in for stomache medicine amd tests can get really expensive. Everytime I submit a claim, they are prompt to respond with a clear, logical explanation about what is covered and what isn't. They won't give you any loopholes to try and swindle you out of your money and they won't try to cheat you at all. These people genuinely care about you and your dog's well being! They occasionally send me emails asking how my dog is doing and they're always excited to hear stories or see pictures. These guys are the best,hands down !