As a consumer protection attorney with over 20 years experience I am very attuned to whether or not a business performs as promised. Healthy Paws offers pet insurance with an annual deductible that pays a percentage of the price your vet charges you for services. There is no argument about the value or the cost of the services provided so long as they are provided by a licensed vet. They process claims which can be submitted directly on line quickly and hassle free. Plus they have a caring attitude. I am a satisfied customer.