Healthy Paws Pet Insurance exceeded my expectations. I submitted a claim and within 1 week they approved and sent me a check. I did a lot of research and there are a few good insurers, however this one stood out for its Annual Deductible, no claim caps and no lifetime limits. Another leading insurer has a Per Condition deductible, which doesn't measure up in my opinion. The customer service was excellent, responsive and very friendly. They followed up with an inquiry on how our pet was doing for that personal touch. This is the way an Insurance Company should operate! Highly Recommend!