Overall I found Healthy Paws customer service courteous and the claims process was very easy; however, I found it strange that when I submitted a claim, only the percentage of the claim that equaled my reimbursement percentage was applied towards my deductible. For example, if I chose a 90% reimbursement rate after my annual deductible was met, then only 90% of the total amount of my claim was applied. When I questioned the company about this calculation, no one (even management) could provide me with an answer as to why. In my 3rd year of coverage, my premium jumped 25% with no warning. That was the last straw for me.