Healthy Paws has been the easiest, friendliest, most caring insurance company I have ever worked with. Hands down. My dog Lenny was hit by a car after he got out from under a gate. His back leg was slashed open to his bone. Sorry for the details, but you can get the picture on how deep it was. The Vet said that he would have a better chance of a full recovery with no issues if we use this thing called the wound VAC. I called Healthy Paws to see if they cover it and they said they would get back to me ASAP. The next day I called, and they told me that they will cover and I should start the procedure. Flash foward 3 weeks.. Lenny is at 85% ( still has issues with managing his weigh on the weak leg)and is pretty much back to his old self. With out Healthy Paws covering it, he would still have a bandage that would need to be changed everyday, and not even close to recovered. So seriously, thank you!! Everyone I spoke to was so helpful and nice, I really appreciate it.