I had almost forgotten about my insurance until my dog had a series of health problems arise. I had no idea until this past month whether Healthy Paws would live up to their reputation but after submitting 4 vet bills and getting a speedy reimbursement (once past the deductible) I can say that this is a premium insurance company.
Before sending in my first bill, I called with a couple of questions. The woman I spoke to was warm and friendly, possibly moreso than any customer service I've experienced.
The only thing missing is their iphone app which will make it even easier to submit vet bills online (but it's already very easy).