I love and appreciate Healthy Paws. I have two small dogs that have had several vet visits since they were covered. Healthy Paws offers a great insurance product and reviews and pays claims extremely promptly. They follow up to make sure that your pet's health issue is improving. Last year when they felt a claim was for a pre existing condition, a kind and knowledgeable veterinarian from their staff called to tell me and explain to me their decision in a courteous and compassionate manner. When I appealed the decision with more information from my veterinarian, they promptly reversed their decision and paid the claim. I wish I had signed up years ago. This is better than human health insurance. It just could not be any better. I give it my highest recommendation.