This is the first pet insurance company that we ever purchased. We were concerned with the health needs of our little dog, a shih tzu named Suki. She is healthy and pure bred. She was 9 months old when we adopted her. I did the research and found that HealthyPaws was exactly what we needed. I especially liked the no lifetime cap. The annual deductible was reasonable as well as the monthy premiums. We were hoping for a very long life with our beloved Suki. We've had her for a little over a year now and this insurance saved her life. The major concern now is bees and her severe allergy to them. She has been treated several times to help her recover from being stung including an episode of anaphylactic shock. HealthyPaws has added a terrific free app which I downloaded with my iPhone. Now I take a picture of the invoice from my vet and send in the claim via the app. So fast and easy! No claim forms to deal with. Just last week Suki needed surgery for bilateral entropion. HealthyPaws paid 90% of the cost and best part is we got the check within a week!! We are so grateful that there is a top quality pet insurance available to pet lovers.