Bella had always extremely healthy, but we had insurance just in case. But in the last eight months we've had two scares. She was diagnosed first with malignant tumor on her foot and then two Mast cell tumors. In both instances, she had surgery and on both occasions, Healthy Paws was there for us. Everyone we spoke to was so friendly. Claims were handle quickly and I think fairly. I really can't say anything better about an insurance company. I recommend them to all our doggie friends.