I have been using Healthy Paws for just over a year now and I have nothing but good things to say! For about 10 months I did not file any claims with them so I was not sure how it would be when I needed to. When my cat became inexplicably ill I was worried that it may be hard to get Healthy Paws to pay the claim. The bill was very high and I thought that they would fight any way that they could to get out of payment. That is not at all what happened! The claim was emailed and was approved within 5 hours and I had a check in the mail in the next week or two. It was fantastic. In addition, every time I called in with questions the representatives seemed to have genuine compassion for what I was going through with my best friend so sick. After the claim, they emailed me to check on my cat and make sure she was doing ok. I could not ask for anything more, I only wish I had insurance this great.