I dropped the pet insurance I had with another popular plan, and signed with Healthy Paws in February, 2013. In September, 2013, we discovered Zeus (my loving rescued pit-mix) had highly abnormal liver enzymes. Zeus was referred to an internal medicine specialist at the Veterinary Specialty Animal Hospital where he underwent a slew of diagnostic tests, including ultrasound and laparoscopic liver biopsy. We are still looking for a definitive diagnosis. Specialty animal vets are very expensive, and vet costs to date are just shy of $3,000. Healthy Paws has come through like I never expected. There were no hassles, and claims have been paid quickly and as promised. I feel a little guilty having filed claims so soon after Zeus' policy became effective, but as I said, there were absolutely no questions or hold-ups. Customer Service is wonderful to work with. Healthy Paws has exceeded all my expectations, and I am so glad I made the change! I highly recommend!