I have been a Healthy Paws customer for 3 years. By far it is the best pet insurance. Most recently, my dog had a herniated disc and needed emergency surgery. The surgery cost $10K. All of the vets at the hospital said that it was very lucky that I had Healthy Paws since they have the most comprehensive coverage. Because of them, I was able to get my dog the surgery and he has now completely recovered. Not only that, they sent a follow up email asking how he was doing. This is the pet insurance you should get.