This is my first experience with pet insurance and we purchased it for our two young Shiba pups. When one required emergency vet care and follow-ups with his regular vet, Healthy Paws was exceptional in making the process as simple as possible, always letting us know that they were there to assist any way they could. Our claims were processed very quickly with a full accounting of all reimbursements. Absolutely no hidden exceptions! I am very glad I took the time to research and read the reviews of the companies offering pet insurance. I know we made the right choice of a company that offers flexible plans, accountability, care and concern. On a scale of one to ten...they are an eleven! Thank you Healthy Paws!