I went seeking for pet insurance after we got our precious Dalmatian puppy. We previously had a dalmatian that I did not have insurance on because I work at a animal hospital and with my employee discount never thought it was needed. That was until he had an injury that our Dictors could not repair. $18,000 later need I say more? Our hospital had always endorsed VPI pet insurance but when I decided to look for a policy I came across Healthy Paws. I liked the coverage and the deductible options they offered. Very little restrictions and what they do restrict I feel should not be an insurance company responsibility but the pet owner. The ease of claim submitting, the fast paying on claims and the customer service, I am completely satisfied with Healthy Paws!