We have never purchased pet insurance until we got our goldendoodle 2 years ago. This month she had to have a rock removed from her stomach, and I dreaded processing the information necessary to launch a claim with Healthy Paws. As it turned out, it was a very positive experience. We submitted the claim with the App for Healthy Paws, and within a week and a half, we had the reimbursement in our hands. Could not have been easier, and was so professionally handled. (Keep in mind that your deductible is to be met yearly and that office exams are not included.) In other words, as in any insurance,read the details. We also received a follow-up email from Healthy Paws, asking how our pup is doing and wishing her well. No small wonder this company is rated at the top of pet insurances. Well done, Healthy Paws.