I have used two insurance companies in the past and the difference was like night and day. Signing up for pet insurance was easy with Healthy Paws. They did not ask for every record out there in advance. I did not have to do any leg work. The forms are pre-filled and they pulled the records when they needed them. They were very clear about what they covered and why. As soon as I submitted a claim they called and asked about my pets wellbeing. As soon as they processed the claim they called me and gave me an explanation of the decision. Within two weeks I had the check in hand. Their customer service is excellent.