My kitty and I were surprised by a bad tumor in her small intestine. I took her to the best hospital I could find and they did a great job... for a price. Luckily I insured kitty earlier this year and HealthyPaws reimbursed most of my expenses within the week and without any back and forth. They advertise 2 day reimbursement, but they did let us know before that the process was taking longer than usual so nothing caught me off guard.
I definitely recommend HealthyPaws, they were there when kitty and I needed them the most and now my cat and my emergency fund are both as healthy as ever.