Healthy Paws has been wonderful. My 17.8 year old Bichon Frise needed spine surgery in May 2017. Healthy Paws they didn't hesitate in providing coverage. Not only did they reimburse me promptly, but their customer service is wonderful -- kind and courteous. They even followed up with me to see how Cody was doing. Their coverage is very generous. I recommend them to every pet owner I talk to. If and when we decide to adopt another dog in the future, I won't hesitate to use Healthy Paws again, I would sign up on day one.