My dog, Ruger, got into a little bit of trouble after injesting a seed pod from a Chinaberry tree, which is poisonous. He was suffering from gastroentritis and dehydration, for which he needed to be hospitalized overnight for IV fluids. The claims process for his initial hospitalization and follow up medications and visits have been nothing short of remarkable. I received immediate notification that his claims were received, and the reimbursement checks were in my mailbox less than 2 weeks from the initial filing date. When I received the explanation of benefits for his claims, I was very happy to see that Healthy Paws delivered on all fronts - I was reimbursed for 90% of my costs after the yearly deductible and exam fees were paid. There was no fine print, hidden non-covered services that popped up (like they did with a previous pet insurance company that I had dealt with in the past). It is so refreshing to deal with a company who deivers on their promises and has excellent customer service. I have recommended Healthy Paws to every pet owner I know! Human insurance compannies should be so efficient!