I did my research and after year decided on Healthy Paws. I have two babies, Bunny & Twinkie, both Shih-tzu's and they are very precious to my husband & I. Bunny got 3 foxtails in her ear and was in terrible pain. Took her to emergency and a follow-up with our own vet the following day and in less than 2 weeks received a reimbursement check from Healthy Paws. They also sent me an email asking if I needed anything else and asked how Bunny was doing. They actually care about their customers pets. I haved already told several people about their service and caring attitude. I hope to not have to file another claim but if I do I know that they will be prompt in their response.