We have healthy paws for our 7mth old French bulldog. He ended up getting a skin infection that he needed 4 treatments for. We claimed the treatments with healthy paws and almost exactly a week after our vet sent in the claim forms there was a check waiting in our mailbox for the exact amount they said they would repay under our 90% reimbursement level. They even checked up on our little guy after he was done treatment to make sure that everything was ok. They have been a wonderful insurance company for us and I would recommend it to anyone looking to make sure their pets stay healthy.