I switched to Healthy Paws for my current dog because I'd been dissatisfied with previous pet insurance. I couldn't be happier. My 145 lb puppy had to have surgery and Healthy Paws was wonderful to deal with. Filing a claim online is easy. They would acknowledge receipt of the claim and process it immediately (sometimes the same day). If you call to ask a question, the reps are friendly and helpful. I cannot recommend this company enough.