I am so thankful I purchased insurance for my dog through Healthy Paws. I spent the $ to get the 90/10 coverage, and true to their advertisements, they straight up paid the claim at 90% less my deductible and the exam fees. They did not nickle-and-dime the charges as most insurance companies do. There was ZERO hassle, and payment was received by me only a week after I submitted the claim. When I spoke with a representative about the claim, they genuinely sounded like they cared about my sick dog. They called my dog by name and referred to her condition. I will always be a customer and will insure my other dog and all future pets with Health Paws!