I cannot say enough about Healthy Paws. I have had many (fifteen) claims in the past 13 months with my puppy. Healthy Paws has great customer service, rapid processing, and great coverage with no yearly maximum or lifetime max. I researched several different pet insurances, finding Healthy Paws to have the best coverage. My best advise is to get insurance early, before their is an issue, and you have a predetermined condition.