After my other company's insurance policy lapsed, I decided to find a new company or else not get insurance anywhere as I was tired of every single claim being difficult to file and then always being an exception. Enter Healthy Paws. Their app makes it so easy to file a claim that I actually bother to do it, which is great because they also actually reimburse me for claims! The claim summary is really clear and their customer service responds quickly and politely if you have any follow up questions. My dog is a senior dog and when we renewed our policy after a year, they didn't kill me with rate increases either. Cannot recommend healthy paws enough!!