I can't say enough good things about Healthy Paws. When you get a terrible diagnosis for your beloved pet (and even worse, when two of your pets get a terrible diagnosis within a year of each other) and you are just feeling completely shattered, you don't want to start calculating what you can actually afford in order to help them. You want to be able to pass your credit card over to the vet and say "Luckily we have pet insurance. What is the best medical route for our pet?" Healthy Paws makes it easy- it's easy to choose the level of insurance you want (calculating deductible vs premium levels), it's easy to submit a claim (super handy app on phone, usually I do it before I've even left the vet office) and it's easy to get your coverage payment. Their underwriters do a very reasonable job when it comes to pre-existing conditions. Their customer service people are pleasant and caring. (I just got a personal email from them asking how our dog was doing post surgery) I recommend Healthy Paws to all my friends and recommend getting it early on during your pet's life. You will not regret it.