I cannot say enough about how wonderful this company has been with me and my puppy. I bought this insurance early in my puppy's life because you just never know what might happen. I am so glad I did. He recently was diagnosed with a condition that required surgery. I was a bit nervous about whether or not it would be covered even though my policy said it would. Sometimes you just can't trust the language insurance companies use in their policies. But Healthy Paws reimbursed me for the surgery just as my policy stated with no questions asked, and in a very timely manner. I have real peace of mind now knowing that we really are covered for the rest of my little guy's life.