I'll keep this review short, sweet and straight to what matters. I learned the hard way with my first dog and was slumped with the bill so I vowed to not make the same mistake twice. Healthy Paws was recommended by a friend so I jumped at the opportunity and it paid off. Not only is my wallet happy with the coverage refund, but I feel safe and secure knowing my dog Milo is also safe and secure with Healthy Paws. I recommend the $100 deductable at 90% coverage. You wont regret it! Healthy Paws was in constant comunication with us throughout the entire process walking us through each and every step! They even checked up on Milo after the process which I was blown away as we all know great customer service is practically extinct. Thanks again Healthy Paws!