I am a new customer of Healthy Paws. While researching many pet insurance companies, I went with Healthy Paws because of their no lifetime cap, no predetermined amount for services (you’re reimbursed based on actual costs), flexibility with using my own vet and pharmacy and their positive reviews. I have been extremely pleased thus far. I signed all 4 dogs up, ranging in age from 8 years to 8 months, and have had to submit several claims so far. The claim process couldn't be any easier; upload the invoice and medical record to their website. It took less than a week to process the claim and less than a week to receive my reimbursement checks. I wish there was a rating higher than 10; can't recommend this company enough.