What you think you're signing up for, you actually are getting. I've dealt with another insurance company before trying Healthy Paws and while they reimbursed, they nickle and dimed everything! These plans are simple, and the coverage listed is the coverage received. After the claim is processed they even send a follow up email to check on your pet. They're customer service is outstanding. I've emailed them numerous times (not an expert at insurance and needed some things explained in layman's terms) and they ALWAYS get back to me asap.