We signed up for Health Paws Insurance coverage when we first got our puppy not thinking we would need the coverage until he was much older. As it turned out, our poor Border collie started limping and was subsequently diagnosed with Bi-Lateral OCD in both shoulders requiring surgery to correct the problem. Health Paws has been wonderful in every respect! The claims were very simple to file, the processing time was very short and the payment prompt. The agents we talked with were all very friendly, empathetic and helpful. I have no hesitation in highly recommending Healthy Paws Insurance to anybody that is looking for pet insurance.