When our dog, Bogart, needed surgery to remove a foreign object from his intestines the price tag to make him better wasn't a concern...but it sure was comforting to know we had a pet insurance company that would reimburse us for a portion of the total expense. No hoops. No nit-picking. We submitted a simple claim form and a copy of receipt from the vet hospital and within 2 weeks we had a check that covered most of the bill. I especially loved that they took the time to send an email to follow-up on Bogart's recovery. You don't even get that attention from people insurance companies and their premiums are MUCH higher! I recommended Healthy Paws to a co-worker who enrolled her two dogs about the same time I got coverage for my two dogs. I couldn't wait to tell her (and anyone else) the wonderful outcome to our claim. I highly recommend Healthy Paws Pet Insurance!