I have been a customer of Healthy Paws since February of 2014. I knew that it would be a wise decision to purchase pet insurance when we adopted our French Bulldog, because they are prone to certain health issues. I did a fair amount of research and found that Healthy Paws was not necessarily the name that came up the most, but it definitely had the best and most consistent reviews. So, we decided to give them a try. Our dog, who is now 3.5 years old, suffers from bad environmental allergies, which require a monthly prescription and, until recently, a monthly shot. He's gone through allergy testing, trying different medications in different doses, creams, shampoos, sprays and medicated pads and not once has Healthy Paws denied a claim. In fact, they have covered about 40 claims for us in just 3 years, with absolutely no hassles. None. Recently, he had to undergo surgery for a torn "ACL" and a minor luxating patella fix, kaching! I called HP prior to scheduling anything and they were very helpful and confirmed that it would be covered. And it was! My current chosen plan is 70% reimbursement, so we were ecstatic to know we'd be getting a large portion of it back. Even better...I received a personal (non-canned, non-generic) email from HP about a week after the surgery to check in on how he was recovering. Not only was getting pet insurance one of the best decisions we made, but I am so thankful we went with Healthy Paws. I gave them a 5 star rating because they are quick to process claims, quick to send out reimbursement checks (I think 2 weeks was the longest I've ever waited), maintain excellent customer service, had a variety of plans to choose from and they are comparatively affordable. At this time, I truthfully have no "cons" for HP and I highly recommend them.