I was very reluctant to get pet insurance at first questioning whether it would pay as promised if I ever needed it. However, I decided to give it a try after researching various companies and I am happy to say that I could not be more pleased with the experience and outcome that I had with Healthy Paws. My dog tore her CCL and needed TPLO surgery costing over $3000.00. With no questions asked other than official documentation of her history they covered the vet bill as promised and in a very timely manner. For anyone having second thoughts about pet insurance...don't. Healthy Paws is a honest and dependable company that truly cares about your pet.