Have had this insurance for close to 2 years and can't say enough good things about it. Have used it a few times and the customer care and service has alwsys been outstanding. Recently had to take my beautiful black labrador to emergency because she had stopped eating and drinking anything and all she wanted to do was lay under the bed. Come to find out she had a foreign matter stuck in her esopagus and required emergency surgery. Thank God for Healthy Paws. I had reimbursement check in my hands in less than a week. Now my little girl is happy again and eating everything in sight and playing with her toys once again. I am so glad I got this insurance.