This was my Fred's 2nd use of our Healthy Paws Pet Ins. So very glad that we have it. She first had a terrible infection that was very rare. We took her to the U of MN Vet College. The 2nd time she need surgery to fix the issue that was causing the infection. Healthy Paws handled our claim in a very timely manner. They also checked on how she is recovering from her surgery. I would recommend Healthy Paws and in fact I have!