I did a lot of research before deciding to go with Healthy Paws - coverage, benefits, deductible, etc. I'd had a very negative experience with another pet insurance company in the past, so I was skeptical to say the least, but Healthy Paws has changed my mind - they have been nothing but wonderful! We adopted our dog as a 5-month-old puppy back in May, and unfortunately, she's had a string of procedures and hospitalizations in the months since. Healthy Paws has paid our claims in a timely manner, the coverage has been exactly as stated on their site (no surprises), and they've been incredibly nice about it as well. I'd recommend Healthy Paws (and do) to anyone.