Healthy Paws has been simply fantastic. They have paid out many thousands of dollars in claims for my dog, mostly due to the diagnosis and treatment of Addison's disease. They process the claims very quickly, send a check quickly, and they have never, ever tried to stiff me on a claim (can't say the same for my previous pet insurer). Their customer service is terrific. I especially like that they inquire about how your pet is doing after anything that seems significant. They just seem like they really care about your pet. I have nothing but great things to say about them.