We have Healthy Paws and couldn't be happier. They have been incredibly easy to work with. Our dog recently had to have emergency surgery that cost over 4k . We had to make some quick important decision to save our dogs life and didn't worry about the cost because we knew we had insurance. Once I filed the claim we were reimbursement in 2-3 days and then received two emails asking us how our dog was doing. It meant a lot to our family that they went out of there way to see how we were all doing. If your going to buy pet insurance it should be from Healthy Paws .