My 7 month old Labrador Retriever was recently diagnosed with a very serious orthopedic problem that required surgery. From the diagnostics through surgery Healthy Paws was with us every step of the way. Each claim was processed quickly and a check arrived within days. The coverage through Healthy Paws is above average. Along with timely payment I've received personal messages from the staff checking on my dog and his recovery. I've used other Pet Insurance carriers in the past and none compare to Healthy Paws. I rate them a 10 because choosing 11 was not an option.