We chose Healthy Paws based on other reviews online, but no personal experience. Well now we can attest to the fact that they are a company that delivers! We've had a couple of hospitalizations with our two french bulldogs that were scary, but we didn't have to worry about covering the bills, because Healthy Paws delivered on its coverage agreement with no hassles. The hospital submitted the bill directly to Healthy Paws, and within two weeks we had a reimbursement check and an email inquiring into the progress of our baby. It's comforting to have a reliable insurer when dealing with the stress of illness. Thank you Healthy Paws!