I have been with healthy paws for 6 years - they have always been excellent - but just like with any insurance - you need to shop around. I never met my deductibles and wellness visits are not included and examination fees when they are sick are not included - so I really was not getting my moneys worth. I just needed accidental type coverage and there were very limited customization options. In addition healthy Paws as continued to raise rates every year - I even had to raise my deductible to lower the monthly rate. I decided to shop around and was able to find another company that saved me over $60/month when compared to healthy paws. I would say if money is not an option - then stick with them - but if you are on a budget and just want accidental converge with customizable options - look elsewhere.