I did a lot of research on pet insurance companies before I decided to go with Healthy Paws. The monthly premium is about $40, and it is the best $40 I've ever spent. You can read all the reviews and do all the research you want but until you actually use the insurance you have no idea what to expect. I have been so pleased with Healthy Paws the customer service is amazing, they respond to emails within an hour of sending, the claims process is easy and processed in a timely matter, coverage is exactly what they state they cover, there is absolutely no hidden BS. Honestly my Dog has better health insurance then I do!! LOL.My poor 9 month old Pug started having issues back in Aug after months of testing it was confirmed that her liver is not functioning properly. After everything was said & done I had racked up about $7,000 in vet bills. anyone who owns a pet knows it is very stressful when you have a sick animal. The last thing you want to worry about is how your going to pay for the bill. With Healthy Paws that worry doesn't exist. I have 90% coverage and that's exactly what they cover, no surprises, no hidden BS. The coverage is excellent! On top of it Healthy Paws always follows up to check and see how my Lucy Liu is recovering, that always makes me feel good. They really do care about the well being of your furry friend. Most importantly I highly recommend Healthy Paws, every animal should be insured.