Since my husband and I had just recently gone down to one income we were hesitant to spend the extra money on pet insurance (plus, we have never had it in the past with other pets), but in the end decided to get coverage for our puppy "Pinot". Based upon our careful research and online reviews, we went with Healthy Paws Pet Insurance. Despite good reviews, you always wonder if you will have the same experience as others (especially when the reviews sound to good to be true). Unfortunately, for our poor little Pinot, we had to use our insurance within just a couple of months of getting it and Fortunately we were covered under Healthy Paws. All of Pinot's claims were processed within only a couple of days of being submitted online, all were approved and in less than a week, our reimbursement check was being processed. Throughout the process all of our questions were answered quickly, the online claim submission process was simple and the staff were so sweet, even checking in on our Pinot's healing progress following her surgery. Thankfully, we had selected the highest coverage plan and the lowest deductable because it ended up saving us $1500 (this is for one incident in the ER). It was incredible having the peace of mind that we weren't going to have a huge financial burden in the midst of having to deal with the fear we could lose our sweet 5 month old puppy if she didn't pull through her major surgery. We were blessed that our little Pinot made it through her surgery perfectly and is alive and well and on top of that our small investment each month in pet insurance ended up covering the bulk of our expenses. A Happy Ending to a potentially Sad Story.