I have checked out 10 pet insurances and Healthy Paws stood out on top of my list, out of all I had checked out. They were even better after signing up. They are overall the friendliest,caring,and prompt pet insurance company around.They are prompt at getting back to you when they receive the claim forms , and the payouts are sent within a week. I am so grateful for having them for my little Spanky he was admitted for pancreatitis at my vet office though he wasn't getting better, so I ended up at an emergency Hospital while it took a couple days to recover, than before he was about to come home his blood sugar dropped, bottom line he ended up with a rare illness called an insulinoma which is a tumor in the pancreas that puts out too much insulin, Now they recommend surgery to remove it or else he will die within 7 months. What a shock it was to our family. We would have never been able to handle all the high costs of all the tests and surgery if it wasn't for Healthy Paws, they make it possible for us to take care of our Spanky. We can now have him around a lot longer. I would not have been able to do it without Healthy paws,and to top it off they truly care about your pet,they truly want to know how your pet is doing.I also love the fact that they encourage pet adoption. I highly recommend Healthy Paws!