Healthy Paws has consistently and fairly paid out. We have two pugs and recently one had to have back surgery after having a fall. They paid as specified in the contract without hassle. Additionally they normally send out a separate email just to ask us how are pugs are doing. Just another part of their great service. We actually had another insurance but switched to Healthy Paws a few years back specifically because we heard about their customer service and because they provided annual deductible instead of per incidence deductible.