We've been with Healthy Paws for 4 years now and they have been fantastic. One of our dogs needed double elbow surgery - no problem. Pneumonia - again no problem. They are very personal and when we've had to make a claim they've responded right away. Their reimbursement checks come fast! I've heard other people complain about their pet insurance companies and I tell them about Healthy Paws; I hope they've changed. I highly recommend Healthy Paws for your pets!