They are very empathetic on the phone and they pay very quickly - not a lot of drama or technicalities. You do still have to pay for exams, which can add up, but generally it is very good coverage, especially in the case of a disaster.
Unfortunately, my dog got into an accident with a car and suffered a head injury. She had also had Giardia a couple of times and an eye infection. So I wound up submitting nine claims within six months, due to the fecal samples, eye problem, meds and then the emergency care for the car accident.
The dog had terrible luck with her health, but thank God I had Healthy Paws. Healthy Paws was also tremendously empathetic and sent me a letter with their remorses after the car accident, because I had, very sadly, yet humanely, decided to put her down since she couldn't move her front legs.
As difficult as it all was, at least I had Healthy Paws to back me up, and I will definitely go with them again.