Honestly, dealing with a sick/injured pet is SO stressful the last thin one wants to worry about is cost. Our dog, Danny, came into the house sneezing blood a couple weekends ago. We rushed him to the vet and, lo and behold, Danny had inhaled a HUGE foxtail. Submitting our first claim with Healthy Paws was a breeze and they got our reimbursement check to us incredibly fast. I would recommend this company to anyone with a pet. Awesome customer service... I wish my own health insurance were this easy!!