I have been working at a veterinarian's office for 25 years but due to health issues I could no longer stay in the field. I knew with having a new puppy in the house and no longer having the great discount that I used to receive I needed pet insurance. Over the years VPI pet insurance has had the market and was the insurance that I was most familiar with while working at the hospital. I started to read other reviews here and found Healty Paws. I quickly found that they had a simple plan with little to no restrictions at a very fair price. I contacted their customer service to ask a few questions and it was at that time I knew I was going to go with them! I have had to take my new puppy in two times now for orthopedic injuries and gastrointestinal issues. Both claims went so incredibly smooth and had my reimbursement check in the mail in less than 2 weeks. The claim form is set up under your account so either your veterinarian can print it or you can and take it in for them to fill out their portion. I have the veterinarian do most of the work so basically there is little to no work to file a claim! I am extremely satisfied with all aspects of this insurance! I hope this review was helpful as the ones I read that brought me to this decision!