Healthy paws was the choice I went with after much research. They're friendly to work with and answered all my questions with ease. My pup had a CCL injury and needed surgery asap. I am a student with no real income and had to pay out front for the surgery with credit cards. Healthy Paws had my claim completed within DAYS of filing. I cant put into words how easy this process was. I tell all my pet having friends that pet insurance is a necessity and Healthy Paws is the way to go.