Our first pet insurance company, Purina, abruptly stopped covering our pets and went out of the business a couple of years ago. With that notification letter came a recommended company to take over our coverage, however, after reviewing that company we determined not to transfer to them. We researched several companies with Healthy Paws as one of them. Although they do not cover wellness or office visits, what they did cover was worth everything to us. They have lived up to all the coverage promised. Recently our five year old miniature dachshund suffered an IVDD incident. Healthy Paws has made the choices of how to treat our sweet little one so easy as surgery or confinement/medications/laser treatments etc. were covered by them 90% of our cost. She did end up having successful surgery on December 5, 2014, by Dr. Higgenbotham with Bush Veterinary Neurological Services in Richmond, VA. On December 12, 2014 our costs were covered by Healthy Paws for that 90%. Healthy Paws allowed us to do the very best for her. From our experience, Healthy Paws is an excellent provider.