Healthy Paws is the 3rd pet insurance company I have dealt with over 13 yrs. My first insurance company, I had to argue for all claims, the second one (after 8 yrs)dropped us after both my dogs were bitten by rattlesnakes, by the time I came across Healthy Paws, my dogs were 10 & 11 yrs old. I am so grateful that they insure senior dogs, and at a similar rate to my previous ins. company. I wish I had found them when my dogs were puppies, this way there would not be any pre-existing conditions not covered. The turnaround from submitting a claim to being reimbursed is impressive (1 week or less). I have not had to "fight" for any claims I have filed. With Healthy Paws there are no guessing games, they are clear concise and straightforward about any issues, questions that might arise and super kind about it. I tell anyone who asks about how fantastic Healthy Paws is.