I researched a lot of companies and I'm now so happy I chose Healthy Paws. My lab had some elbow issues. He;d been seen for the right elbow prior to getting insurance so that was not covered. For this reason I almost did not send in my claim as I wasn't sure if Healthy paws with cover a CT scan of the left one. But they did! And responded to my claim within 24 hours and mailed me a check. Excellent customer servce.