I searched around a lot to find the best insurance when I got my puppy. Sure, there are a ton of cheaper options but I couldn't be happier I went with healthy paws. My dog was a totally normal puppy but he ended having seizures around when he turned 1. He also needed major surgery on his paw. Healthy paws is the best. There's no cap so they literally have reimbursed me thousands of dollars. My dogs surgery was $4500 and they reimbursed me $3400 (I have an 80% rate). They also reimburse me for his seizure medication that I buy monthly. Not only do they reimburse you, but they do it quick! There's never any ifs/buts when I submit a claim either, they pay you exactly what they told you is covered. I couldn't imagine not being insured through them.