We got our cat Denney from the ASPCA a few months ago. He started have digestion issues so we have had several vet visits lately. Then we found out he might have a heart murmur so he needed a cardiologist as well. No murmur thank goodness. We have submitted several claims and they have all been reimbursed at 90% except for the vet visits. We just submitted the cardiologist claim which I'm sure will be reimbursed. The customer service is really great and the claims are processed very quickly. I had a different compnay for my last cat beginning with a V (I'm sure several of you can figure it out) My cat was sick her last few months and the payout was just awful with very low caps. I also got a personalised email asking about Denney as well. I recommend Healthy Paws Highly!!!