We adopted our dog Tucker four years ago and last April after a minor health scare (allergic reaction) we decided to take the plunge and purchase insurance for him and our other dog. Over the Christmas holidays Tucker started getting sick (vomiting) and after several panicked trips to the emergency vet an ultrasound reveled a foreign body that needed to be removed surgically.
Healthy Paws covered exactly what the policy said they'd cover which was 90% of everything less the exam fees. It took under the ten business days they promised to get the check out once we'd submitted our claim, really appreciated that. Each time we called with questions they answered them succinctly and clearly and went the extra mile to help us track down Tucker's previous medical history (we'd adopted him while serving in the military and his records were spread over several states).
A tip to other pet owners: when you contact your veterinarian's office for records ensure they end you the narrative treatment history not just the invoices, the treatment history is necessary for reimbursement.
Healthy Pets followed up with us inquiring about Tucker's health which I thought was nice.
Bottom line: they covered exactly what the policy claimed to cover and got us our reimbursement in less time then they promised so we'd definitely recommend them to other pet owners.