I selected Healthy Paws based on a Consumer Reports article about how to shop for pet insurance that I found when my puppy first came home. Little did I know that this pricey dog I went all the way to Australia to buy would have a difficult to diagnose issue that, at 18 months, required a CT scan and very delicate, rare surgery. The CT and surgery cost most of $10K, never mind the previous ultrasounds and drug therapies that had been tried. I am so grateful that we had insurance. They don't pay for everything, but they sure a lot of the sting out of those big vet bills. The claim submission process couldn't be easier--login, attach a scan of the bill, maybe attach a copy of the medical record, and in a few days an email announces the claim has been processed and a couple of days later a check is in the mail. I am very happy with this company and SO grateful to have the coverage.