This insurance is a must have! I used to have VPI for my other dog that had numerous health problems. He unfortunately passed away from cancer last year. Their fee schedule was an absolute joke as I believe it was from the stone ages. After taking in a stray dog we looked into a new insurance. Healthy Paws seemed like a good choice after reading the positive reviews and looking at their reimbursement practices. I just had to use if for the first time to have a growth removed from our dog. They literally processed the claim in a day. I received an email that our reimbursement check was on its way. I received it within 3 days total. VPI took weeks to send their piddly reimbursement check. Healthy Paws paid 90% of the claim and I could not be happier! They even sent a follow up email to check on Addie. I don't mind paying a little more for efficient service as well as a great reimbursement rate. The best part is that there is no cap! I wish I would have had it for my Boxer that was riddled with health problems from the start. Do yourself a favor and don't wait because veterinary care can be in the thousands. It will save you in the long run as we all want what is best for our pets.