After reviewing multiple policies, Healthy Paws appeared to have the best user satisfaction as well as the best coverage. I was so, SO right! I've had to take my little guy in for gastroenteritis three times now, each time performing various diagnostics to ensure that there wasn't a deeper issue. As soon as my vet faxed the claims to Healthy Paws (we're talking minutes here) I received a confirmation email indicating that the claim had been received. The emails stated that it could take up to 10 days for processing, yet I was emailed a second time with a detailed explanation of benefits and the amount that I would be reimbursed. This was for all three incidences. Timeliness was so helpful during these stressful periods. I was even emailed this past instance by the company to ensure that my pet was OK. They even asked if we could give him a hug from them. Caring, and fast fast fast. Don't hesitate, choose this company!