After reading reviews I decided to get Healthy Paws insurance just in case, although my dog is mostly indoors and even when outdoors has a penned area. She ate a shelled peanut, which got stuck in her intestine and had to have surgery to get it out. The claims process was very easy and the representatives on the phone and through email were very responsive. I got my checks very quickly (within a few days of submitting all the paperwork)!! Excellent service and extremely grateful that I chose Healthy Paws!!! Recommending to all my friends!