Before I went with Healthy Paws, I spent hours on line trying to find the right pet insurance comparing them all side by side. What I liked about healthy paws was there were no annual or incident limits as well as 90% reimbursement. The first time I submitted a claim, I received a call a few days later from Jen calling to see how both my dogs were doing and when I have time if I could send them pics of my dogs. You can tell from her voice she really cared and I was in Aww, if only they would cover humans, I would switch over in a heartbeat. They gave me No Hassel about my claim and I received a check not even a week later. Jen even stated that if my dog needed this medication for the rest of her life, it would be covered, at no additional cost. Every now and then I receive a call from Jen to see how my dogs are going and to let me know they are there for me and are truly concerned.