Healthy Paws has been amazing for me and my dogs. One of my dogs was having seizures starting about a year and a half ago, and Healthy Paws was quick to pay all of my claims. Then, my dog was diagnosed with diabetes and Cushing's Disease, which both require a lot of ongoing testing and medications to treat. Eventually, my dog developed cataracts and just had cataract eye surgery to remove those, which was about $5500 total. Healthy Paws has always paid out my claims very quickly (the claim is usually processed by the next day and I have my check reimbursement a couple days after that). I have never had any problems with them paying any claims, and the couple times that I did have to call in to clarify a claim, they were extremely easy to work with and even willing to call my vet or vet specialist to get the needed information so my claim could be processed as soon as possible. I seriously do not know what I would do without Healthy Paws. It has been a lifesaver with my dog that has had so many problems (seizures, diabetes, Cushing's Disease, and cataracts), and thanks to Healthy Paws, she is a happy little girl that you would never know anything was wrong with her (unless you were around for medication time). I highly recommend Healthy Paws and could not ask for more from a pet insurance!