My almost two year-old golden retriever has had more health issues than we can keep track of. We signed up for Healthy Paws shortly after we realized that we were dealing with an allergy-sensitive dog and likely had many more vet bills in our future. Every time I've submitted a claim I've received my reimbursement check within a week. Their customer service is excellent and there is no haggling for coverage. I also recently decreased my percent reimbursement that was to take effect next month. However, in the intervening time my golden was hospitalized with a gastric obstruction. Healthy Paws took the time to carefully review my account and reimbursed me at my original (higher) level since the lower reimbursement had not yet taken effect when the illness occurred. Not many insurance companies are that honest (pet or human!) I highly recommend Healthy Paws to any pet owner. The monthly payment is definitely worth the assurance that you won't be left with a huge vet bill in case of any emergency.