I highly, highly recommend Healthy Paws insurance. We have run into a couple health issues with our Newfoundland and have used Health Paws for the past two years. Best decision we could make. Vet bills can add up very quickly. Even the small ones. Healthy Paws has always been very clear with their coverage policy. I have never even felt a need to call for clarification because the coverage policy on the website is so accurate. It's amazing how quickly they process claims and how easy it is. All you do is take a photo of the bill and submit it through their app. It has been well worth the cost of the insurance to have the peace of mind that when something happens, Healthy Paws is there for us. I can't even imagine the financial strains we would have without Healthy Paws. I recommend it to all of our friends and dog owners!