My dog, Kula, had surgery for a torn knee ligament at the beginning of August. I had submitted a claim for previous X-rays and treatment and was very pleased with the hassle-free processing of the claim and short turnaround period for my reimbursement. Little did I know that Healthy Paws would surpass all expectations with my next claim-- the charges for the surgery itself. I faxed the claim form with the invoice and the surgeon's notes on Wednesday, August 23rd and the next day I received an email with an Explanation of Benefits informing me that my reimbursement was being mailed shortly! The next day! What insurance company processes claims that fast?!? I was in shock. And then I got a very sweet email this morning from Jen (yes, a real person sending a personalized email) asking how Kula is doing after her surgery. I have had negative experiences with another pet insurance company and expected to deal with the same headaches no matter what company I was with. I fully expected to get hassles and delays in response to each claim filed. Instead, I get prompt attention and phenomenal customer service. Healthy Paws is a refreshing anomaly and I will refer them to everyone I speak with about pet insurance. Thank you for making an otherwise difficult and emotional process of having major surgery and after-care so much less stressful.