Healthy Paws has been nothing but great. My vet forwards the bill to the company, the company replies promptly and a check is in the mail. I couldn't ask for more peace of mind. It makes the cost of a sick or injured pet no longer a concern. While at the vet, I can worry about their wellbeing instead of the cost of the xrays or procedures needed.
Also the company itself is so friendly. I get thoughtful emails checking up on my pets a few times a year. I can't think of any human insurance company who actually treats you like a friend.
Bottom Line: I'd recommend Healthy Paws to everyone with a pet and a desire to ensure that pet is well taken care of and loved.