Aloha! When I started shopping around for pet insurance for my 2 kids, I checked every company out there. I talked to several people about the pet insurance they had and got several referals. However, after I spent a great deal of time reading the 'fine' print on all the contracts and all the options. I also spent time reading all the reviews other people had with their pet insurance companies, those really helped. I researched for weeks and weeks. When I settled on Healthy Paws, I felt I had chosen the best company. My experience with the staff at Healthy Paws has been top-notch. When I made a claim on my daughter, they responded right away. No matter what time it was. I live in Hawaii and when I called to leave them a message because it was after hours, someone actually answered the phone and she remembered me from my emails! That's customer service!!! Even after my daughter's surgery, they emailed me just to check up on my baby girl. I've told everyone that I know who has pets about Healthy Paws and how great the company is. They are prompt with communications and reimbursements. Its the best pet insurance company on the market! Wish I was close enough to stop in and bring them treats!!! Mahalo Healthy Paws!