I actually joined Healthy Paws based upon reviews on this website and everything I have read holds true to my experience. Their payment response time is great, every time I have called for customer service their team has been exceptionally helpful and friendly, and they do honestly care about the well being of your pet. I in fact just received a personalized email checking on how my dog was feeling since I recently submitted a bill for an emergency vet visit. I love their service so far and recommend it to any of my friends. My wife even works for a car insurance company, and she recommends customer directly to Healthy Paws when they ask about pet insurance. Great company, great service, plain and simple.