I switched from another highly rated pet insurance company to Healthy Paws about 15 months ago. I wasn't dissatisfied with the other company, but Healthy Paws got higher ratings on this site and the premium costs for identical coverage (90%) were less. My puppy is now a teenager, after a full year of getting into puppy health trouble - at a toxic salmon carcass, intestinal infection, developed a limp, had a transient out of limit blood test. Long story short, he got the right vet care each time with no worries for me about cost. All claims have been processed and approved within 48 hours of my vet submittal, with friendly and concise email notifications. They are the BEST! One tip I have for Healthy Paws customers - if your claim is taking a long time, it's your vet delaying the paperwork, not Healthy Paws!