Healthy Paws is the best pet insurance provider in the market. I did my due diligence last year in looking for the best coverage for my dogs (4 of them) and I picked Healthy Paws due to the extensive positive reviews written about them. At first I was skeptical not knowing if they are truly what the reviews say but they were right. I had to file a claim last week for my doggie,Fritz,who tore his ACL and needed cruciate surgery. Since Fritz didn't have a pre-existing ACL problems, Healthy Paws approved my claim (80% of the bill)and questioned nothing on the medical invoice submitted to them. They reviewed the claim and approved to pay within a week, yes a week. I heard horror stories from some of my friends who filed claims and they were getting the run around and wouldn't even return calls. This is not the case with Healthy Paws...they get back to you via email or phone call at lightning speed. Thank you, Healthy Paws, for helping Fritz get the much needed surgery to be able to walk normal again.