Healthy Paws has been fantastic. After being rejected by at least one other pet insurance company due to pre-existing conditions, Healthy Paws offered a comprehensive coverage package, customizable in terms of coverage and deductibles, and no annual or lifetime limits. They have been incredibly easy to deal with when I have had to file claims and they process and pay the claims very quickly -- and, they pay exactly what I expected to be paid, so there were no surprises and I didn't have to fight to get claims paid. Their customer service staff is very friendly and helpful. I highly recommend them.