My policy has already paid for itself many times over with a single dental claim (tooth fracture through the dentin). He was just a year old and it was one of his lower canines, so we took him to a canine dentist for treatment. Healthy Paws handled my claim in a clear and caring manner. There were no surprises in terms of what was covered and what wasn't. I was very happy to have 90% of the treatment costs covered, minus the exam fee and a $50 annual deductible. They processed my claim incredibly quickly, I had my check later that week. Any time I've called them I've been really pleased with their customer service, and this was no exception. They even followed up a few weeks later to see how he was doing. I love that they actually help shelter pets unlike bogus political organizations like HSUS.