Healthy Paws is the best pet insurance out there. I have 3 animals insured with Healthy Paws and anytime I have filed a claim they have been so fast in responding. I have never had a bad experience with them. Recently my 8 month old puppy had a very expensive elbow surgery.. I filed my claim on a Thursday and had my check by the next Tuesday. Absolutely amazing! Not only are they fast at refunding you they are so compassionate. I received an email from a rep at Healthy Paws checking on my puppy. Most insurance companies would not do that. I recommend Healthy Paws to everyone I know that has animals!