My Shih Tsu puppy had a bladder infection and symptoms of kidney stones. The bloodwork/tests ran $350+. I brought her to my vet on a Fri at 2pm, and by 630p that night, I received an email from Healthy Paws stating my claim had been received, processed, and my refund would be mailed that day! I received the check, as promised, about 3 days later. Healthy Paws is absolutely phenominal in the level of customer service provided. I recommend them to everyone I know who have an animal. You guys are the BEST!