I have had policies with several pet insurance companies over the years. Healthy Paws is my absolute favorite. Shorter waiting period after sign up; annual deductable instead of by incident or illness; includes complementary practices without a rider (requires a vet on the premises, though); attractive super easy mobile phone app for submitting claims (snap a picture of the invoice and it’s on its way); quick response; in our experience, no arguments about coverage the way some other insurers do; personable assistance when needed; easy to add additional pets. I find myself telling friends, relatives and total strangers in stores and vet offices about Healthy Paws, highly recommending that they sign up as soon as possible. Excellent company, excellent value.