The personnel at Healthy Paws are polite, attentive and caring. First, the policy is much better priced than competitors. Second, they do not have a complicated reimbursement schedule. You simply pay one annual deductible and copay, and that's it. Third, you get a live person 24-7. Fourth, they respond promplty by phone and email. Fifth, they process claims promptly.And, sixth, they follow up to check on the welfare of your pet. They are THE VERY BEST. KUDOS!