My cat Cheerio had his spleen removed two years ago. He became more prone to sickness without his spleen. Healthy Paws insurance paid for his care as promised in the policy without any hassle. They also sent emails to ask how Cheerio was doing.
Last year I submitted a claim with few invoices on them. They noticed I did not cash one of the checks so they sent me an email asking if I received it or not, and whether they should issue me a new check.
I would highly recommend Heathy Paws to any pet owners.