We've had Healthy Paws for about 3.5 months and have submitted two claims. They've responded quickly, and have covered exactly what they said they'd cover. I've heard so many horror stories about pet insurance, but this company is a gem (so far). We have a high energy, but very sweet Doberman puppy (all 81 pounds of her), and this insurance gives us some sense of security.
I love the yearly deductible, rather than the "per incident" deductible of many insurance companies. We have a $250 deductible and 90% coverage policy. It doesn't cover office visits or the charges for the office visit of a major claim.
We've had three visits since buying the policy. The first visit for abrasions applied the prescription to the deductible. The second didn't apply, since it was only an office visit. We didn't even submit it. Our third visit was for a severe toe fracture. This one put us over the deductible. They use the actual vet charges to compute the claim. In less than a day, they processed the claim, and a check is in the mail.
Submitting claims by email is very convenient, as well as fast! They respond (automatically) after submitting the claim. The next day they respond personally with the results of the claim. And, they express an attitude of care.