I paid my monthly premium for Healthy Paws for just over 6 years before ever having to make a claim. Suddenly several large health issues came up and my dog needed a few procedures and a surgery. I assumed that I'd be nickle and dimed, or worse, denied entirely. But Healthy Paws went through the first claim over the course of a couple of days and then sent out a check for my level of insurance (90%, $500 deductible). Incredible weight off my back at a very stressful time.
Now my dog needs ongoing procedures (ultrasounds) and they dutifully cover their portion - and now they direct deposit it right into my bank account, no questions asked.
Had I not made the decision to purchase insurance 7 years ago I would be out thousands more than the insurance would have cost me -- I'm very happy with Healthy Paws.