I have had HealthyPaws insurance for my two cats for years. I think their rates are very reasonable and they always send nice notes on their birthdays. Unfortunately this year one of my cats had his first (and hopefully last) major surgery and I had to submit a claim to HealthyPaws. I was honestly skeptical that the process was going to be as easy as they said (call me jaded because of how hard it is to submit healthcare claims for people). After going through the process, I'm happy to report that it really was as simple as they say (maybe simpler). My claim was approved in a timely manner and there were no "gotchas" in processing.