We are so happy that we picked Healthy Paws as our pet insurance carrier. My Lovey was bitten in January by a stray dog and it costed us $2000. So we bought insurance for her in March to get a piece of mind. With our bad luck, Lovey was limping in June. After couple vets' visits it was determined that she needed surgery. Healthy Paws pay 90% of the costs and they approved the claims in 4 calendar days! I am so impressed with their efficiencies and they send us email in inquiry about Lovey after her surgery. They really care about our pets!