I reviewed a few pet insurance policies on line and asked a couple of friends who have pet insurance. I made my decision to go with Healthy Paws (I do like their name) based on their literature and speaking w/ them. So far, they have reimbursed me the 80% of everything that they say is covered so they are true to their words. They also process their claims most faster than human insurance companies. I highly recommend them to anyone with a pet.