These people are terrific! With my previous dog, I had a policy from a different, much larger, well-known company, and it seemed that every time I summited a claim, they found a reason not cover it, or to cover only a small portion of it. Healthy Paws is the opposite. They have never questioned a single claim -- they cover everything that the policy says it will. I live in the NYC area, where veterinary fees are among the highest in the country and they have never once questioned a cost. Plus, the submission process couldn't be easier -- I take a photo of the vet bill on my phone using their app, hit "send," and a week later a check is in my hands. My only complaint is that they don't offer health insurance for humans ;-) Seriously -- I cannot recommend these people more highly!