I recommend healthy paws to any dog owner. We have four dogs and have had them all insured since they were rescued. Healthy paws is completely transparent. If they say they cover it, they do. It is so refreshing to get what you pay for!! They have exceeded our expectations. It's easy to file claims, they are super fast to respond and the checks are issued just as fast. Sometimes we expect got them to omit coverage or simply tell us "your meds are no longer covered." NOPE. They keep providing the same great coverage. Even when the wounds are self inflicted (like from a recent dog fight). They covered, exactly as they said they would. We recommend healthy paws to everyone.