Took my little Sammy in to the vet with some pretty severe gastrointestinal problems on a Monday. Submitted my claim on Wed.to Healthy Paws. By the time I returned home from providing the vet with the forms to fill out - Healthy Paws had received it and sent me an email to let me know that they had. The next morning (today) - I had another email from them letting me know that the claim had been processed and a check would be on the way, shortly! If only my HUMAN insurance would work as well!!! I HIGHLY recommend Healthy Paws. I am SO glad that I chose this company from the MANY others that are available. Thank you!!