After extensive research for pet insurance we chose Healthy Paws for our 2 terriers. What an excellent choice it turned out to be. About 3 months later, Digger, our 11 yr old Border Terrier tore his ACL playing with his sister, and needed surgery. We travelled out of town for specialty surgery and were reimbursed 80% five days later. We've had 3 kind phonecalls from Healthy Paws just to see how Digger's doing. I am recommending Healthy Paws to all my friends who are pet parents.