I've had occasion to file claims 4 times already for my two dogs and I was so happy I had insurance. Healthy Paws is very clear about what they cover from the beginning so I expected to pay for the office visits and preventative, but for all the treatment and medicines they indeed paid the 90% I'm contracted for. The turnaround time was only 5 or 6 days for a reimbursement check and they even follow up with an email inquiring how they were doing now. It feels like there are some animal lovers at the helm or I wouldn't feel this way. I wish my medical insurance were this caring. They also have a very user friendly website where you can post photos of your beloved pets.