I have had all three of my dogs insured with Healthy Paws since 2012. They used to be terrific. Now they are horrible. They deny claims because they say they don't have records, even though the records have been sent, I appeal the claims only to have the appeal disappear with no resolution, I can't get in touch with anyone to discuss the issues, and if I do, it usually means starting all over again. I have given up and filed complaints with BBB and the Insurance Commissioner.