This is the best pet insurance I have had. I chose a $200 deductible and 90% coverage. It is fantastic that there are no limits on medical conditions which was the problem I had with other pet insurance companies. It has been a life saver. One of my dogs battled kidney disease for a couple of years. I never had to worry about whether I could afford to go to the vet and the cost of all the testing. It gave me peace of mind knowing that I was able to give him all the care he needed and never have to worry about the cost. I took this insurance out after my dog needed surgery on his back. It cost me $6000. I wish I would of had this insurance then. The staff at Healthy Paws are all so friendly and caring. Claims are hassle free and handled quickly. After my dog passed I received a beautiful card from Healthy Paws which was hand signed by all the staff. There are amazing. I wish humans could have health insurance like this. I would absolutely recommend this insurance to anyone so that they don't have to make hard decisions when it comes to their pet's health care.