I've been a Healthy Paws customer for 3 years and overall, I'm very happy. I've submitted several claims, and every time the service and payment has been ridiculously fast. I love being able to email claims to them. I feel the cost is worth it; and yes, the premiums have modestly risen over time. I'm probably running even with my claims and the total I've paid in monthly premiums. But knowing that I have some coverage if God forbid something really bad happens to my dog, it's a great feeling. One point: I'm very glad I started coverage when my dog was a puppy. The pre-existing clause would have been a negative (although every pet insurance has it). I wish the industry took a page from Obamacare and wipe out pre-existing exclusions.