I have had pet insurance with healthy paws for 6 years. They have provided the best service and care for my dog. Bear has had 2 tplo surgeries and ocd surgery on his shoulder plus other problems. They have promptly paid for all his care per policy and covered his rehab care even accupuncture and cold laser. Fantastic company He had surgery at less than one year, 5 years and 6 years I know we have cost them a lot of money but they have not cancelled us .