We have had insurance through Healthy Paws for our dog for a little over 2 years now and I could not have asked for a better insurance company. Not only did they accept our dog, who was a senior at the time of enrollment, at a very low premium, but they have never given us a hassle on any claims submitted. Our dog has been to vet over 15 times in the past 2 years for UTIs and other urinary issues and we have never had a claim denied. They are very quick with processing claims and have great/ friendly customer service reps. There are no limitations on cumulative claims, which has been a life saver for us. Thanks Healthy Paws!