I just have to say that Healthy Paws is an amazing company and they stand behind their word. Our black Lab Lucy just had her second knee operation and it couldn't have gone any better. Healthy Paws helps ease the worry so much!! It is so easy to file a claim and any refund comes super fast. I would never insure my dog with anyone else and I tell everyone I know about their fantastic customer service. Healthy Paws is absolutely the best!!