I recently used our Healthy Paws insurance to pay for emergency vet care as my cat was having difficulty breathing over Labor Day weekend. The bill was for over $3,500 and HP honored their coverage without any problems, delay or argument. Claims are easy to submit and they send a straightforward claim explanation with each one. If only health insurance coverage for people could be so great..I could not say enough good things about HPaws. Excellent customer service as well.