I've had Healthy Paws for a couple animals and they are by far the best, no hassle, pet insurance company out there! Also, they contribute to homeless animals! My cane corso mastiff had 2 surgeries on her rear legs done this summer. She had torn her ACL in both legs. Healthy Paws reimbursed my claims within a week. It cost $3,000 for EACH leg and my out of pocket expense was $300 for each instead! I also have a pug that has had a couple of eye ulcers and again, each time the claim was paid within a week. Cut and dry. No red tape with these folks! Basically, everything is covered except the office visit charge and preventative care. I am 110% satisfied with Healthy Paws and HIGHLY recommend them!