Healthy paws has been 100% reliable and amazingly easy to work with since the day we signed up. We rescued our puppy Remy about eight months ago and since then she has had multiple trips to the er. She seems to get everything that goes around, i.e. Giardia, canine influenza, as well as the usual Labrador puppy chewing and digesting toys. Thanks to healthy paws we are always able to get her the best possible care and she is now a happy healthy one year old. They are very responsive and attentive to Remy's health concerns and they even emailed me to check up on remy after our latest visit to the er. The healthy paws app is super easy and convenient. I just take a picture of the vet bill and submit it. They always process my claims within two days and send a check right away. The policies are very easy to understand and there are no surprises. The refund is always what I expect it to be. I really can't say enough good things about healthy paws. For an insurance company they seem to go above and beyond. I definitely recommend them to all dog owners.