We have 6 of the most injury prone dogs on the planet, if I owned an insurance company I wouldn't take them on...... But healthy paws did!! They keep us updated and are always kind and courteous. They even add the personal touch of asking about our dogs by name and ask for pics. Very rarely is it computer generated and you can tell its a real person who genuinely cares. We have submitted a claim at our vet by fax and driving home we receive an email saying our claim is settled and a check on the way, even on a Sunday evening. We just wish all insurance companies were as customer and user friendly as this. Try them, you won't be dissapointed. We love healthy paws!!!! Wooooohoooo!!!!