As a Professional Dog Trainer, I have heard many comments from clients regarding the Pet Insurance companies they have tried. I tried this one based on one of my clients. My clients are waiting for my review of the company after using up my deductible. Wow! My 11 month old Saint Berdoodle developed a nasty cough and runny nose the day before we were to fly to another state. I had to take him to the emergency vet on Dec 23. Healthy Paws was notified on Dec 24 and had a check in the mail for reimbursement on Dec 26! This is an awesome affordable company.