One of the first things that I liked about Healthy Paws Pet Insurance was that they allowed me to submit all of my dog's records and did a medical review to make sure that she would have no pre-existing conditions.
When Pixel had her first claim (an incident of chocolate toxicity), Healthy Paws processed her claim just as they should have, and they processed it in under 24 hours of receiving it.
My experiences with Healthy Paws since the first claim have also been very positive. They process quickly (again, usually e-mailing me an Explanation of Benefits within 24 hours of receiving a claim). And, everything that should be covered is covered.
I enrolled Pixel in Healthy Paws because I liked their coverage options, and since she's been enrolled, I've been happy with their claims handling and payment. Plus, I've been pleased with the personalized follow-up that they do. After every claim, a representative has e-mailed me with a kind letter asking how Pixel is doing. (They even encourage you to send in a picture of your pet!)
I have already recommended Healthy Paws Pet Insurance to several friends. It's comforting to know that I can afford to take care of my little girl in an emergency.