Healthy Paws is amazing. They have been so good to my beagle. My beagle was never ill until she developed bladder stones; they were surgically removed only to have her almost lose her life. Two surgeries later and a lot of doctors visits Stella is getting better. Healthy Paws compensated me for everything as indicated in the policy. When I was in the E.R. at 2:00am and the doctor came out and said she needed emergency surgery- I knew I could say yes and wouldn't let my dog die or need to get an extra credit line to pay for her surgery. Owning a pet is like having a child, it our obligation to take care of it- insurance is paramount for that to happen. Healthy Paws is the best.