I was previously with ASPCA for my new puppy and went for top of the line coverage. I was disappointed with the reimbursement rate (predetermined by them and NOT what the vet charged and not to mention the reimbursement process was tedious and time consuming. I switched to Healthy Paws after a year based on reviews and the fact that reimbursement is based on the actual bill. I don't miss the coverage for preventative care - as owners we have to take responsibility for these charges. I found HP to be straight forward, easy to submit/process and overall excellent! Did I mention the claim came within the first 45 days of switching? Icing on the cake was a follow up email to see how my pup was feeling! Can't beat the service for the price! I'm very happy and confident about my choice!