I was very skeptical about pet insurance after initially cancelling on trupanion because their claim process was horrendous and rates really shitty for what you get. I signed up with healthy paws and recently my dog had surgery for an intestinal blockage and healthy paws paid the claim in only 3 days. (Almost $4k). I was REALLY pleasantly surprised- other insurance companies find every way they can to avoid getting you your money. Healthy paws paid my claim with no questions asked. Their app is ridiculously easy to use- just take a pic of your invoice and you're DONE. Nothing to mail in. Additionally, their customer service is AMAZING and you can always get a kind helpful person on the phone- and they check up on you after an illness. I'm very satisfied.