I can not say one bad thing about healthy paws... I had gotten insurance for our rescue pup we adopted because we lost our last dog due to illness and learned the hard way... I will never go without insurance ever again! I read all the reviews and spoke to people that had insurance and decided on healthy paws. Our dog duke was in a horrible accident - he ran right in front of a truck! After an almost 7000 dollar vet bill and still needing his third surgery I'm so happy I went with a company that has the support of an amazing staff and they will go through your claims fast and send out a payment check so I can pay off my bill. I recommend healthy paws 100% - from their app to the staff love everything about this company!