If you are reading this review, it is because you love your pet and want to provide the best care possible in the event of illness or injury. I wasn't looking for a return on investment, just some peace of mind. While there have been many advances in veterinary medicine, it can be costly. I'd had a few minor claims for my Yellow Lab, Josie, and they were always handled well. Josie wasn't feeling well - vomiting, lethargy and lack of appetite. I brought her to me vet 3 times over a 2-week period. The vet assured me it wasn't serious - just a UTI. She was wrong. I took Josie to Tufts, but she did not survive - liver and kidney failure. She was only 3 1/2 yrs. old. Healthy Paws has been very supportive, sympathetic and processed each claim very quickly, usually in a week's time. The owners and the employees are pet owners themselves and they understand the bond we have with our pets. That is why Healthy Paws is the top rated pets insurance company and why I wouldn't hesitate to to purchase another policy from them.