Penny is my first puppy, and as a brand new pet parent I was very confused about which insurance to choose. I heard about Healthy Paws by word of mouth and after intense investigating, I ended up picking them for my little one's coverage. She recently had to undergo emergency gastrointestinal surgery (dogs really do eat everything...), and THANK GOODNESS for Healthy Paws. They were so caring and responsive, and the claims reimbursement process was so simple I had to pinch myself to make sure it was REALLY that smooth. I submitted everything online - the turnaround was quick, and I was reimbursed for every cent that I had expected and hoped for - no "oh, if you read the extremely small and almost illegible fine print we don't cover that". It was an easy and straightforward calculation and it all made complete sense. Penny is so special to me, and Healthy Paws gives me the ability to never have to make a decision on her health based on finances alone. THANK YOU SO MUCH!