Healthy Paws is amazing! When I had to take Clover (my puppy) to the vet they covered everything they said they would without any objections at all. I had no problems at all with them and I have always spoken to very friendly & caring & knowledgeable customer service representatives. I love the fact that their deductible is based annually instead of per incident. They processed my claim the same day I submitted it and I got my check in the mail in 3 business days. I hope everyone uses this company for their pet insurance because I wouldn't trust anyone else with Clover's health.