We live in the mountains and our dogs are constantly outside running after squirrels, leaping over logs and through the brush and as a result we have had to deal with several ACL tears. Our Lab had 2 tears and our Aussie had one. TPLO surgery is expensive and so when got our Springer we looked into pet insurance. We did some research and talked to people who had insurance and the name that kept coming up was Healthy Paws. So, we signed our Springer up. That was probably one of the best decisions we’ve made. Dexter has just gone through his 2nd ACL surgery and Healthy Paws has been great through both surgeries. Each claim was processed immediately and we had our checks within a week from the surgery dates. Plus, they really seem to care about Dexter, sending us e-mails asking us how he is doing. I highly recommend Healthy Paws for anyone who has a pet. They are the epitome of what an insurance company should be.