We have been very pleased with our service. Reimbursement was surprisingly fast and the amount reimbursed was exactly as expected and quite fair. The staff at Healthy Paws has always been very quick to answer our questions. They respond to emails and answer the phones. You get to correspond with real people that care about what they are doing (i.e. its not some terrible call center where you get shuffled around and hung up on). They also seemed to really be concerned about our dog and were very warm in sending love his way. I would highly recommend Healthy Paws to any pet owner. If only human health insurance was this well run!