Hello, I would not recommend Healthy Paws pet insurance. I had read their policy and also called to ask questions if certain conditions were covered. Their reps told me things like ear infections, etc. were covered, but now that I am putting in a claim for a facial fold infection they are denying it saying it is due to allergies. They also say that since my dog is overweight they won't cover things related to that. Well, they can link most things to being overweight so basically I have not coverage for my dog that I have been paying premiums on for years now.