I've been a Healthy Paws customer for 5 years now. They've reimbursed $20,000 in vet bills. This last episode was bloat, emergency surgery, followed by gastroplexy, spleen removal, post surgery infection. I got Healthy Paws when I lost my job and I didn't want to have to make tough decisions based on money. They've reimbursed *EVERYTHING* at 90% without hassle. One time the checks got lost in the mail, and they noticed I hadn't cashed them and proactively emailed me to find out why. I also like that when I contact them I interact with a human - no canned scripted responses. I tell every pet owner I meet about them. I don't know what I would have done without them. I wish my health insurance operated like this.