Our dog had undergone a series of diagnostic tests and subsequent treatment for heartworms. (Even in spite of staying on top of regular meds, dogs are still very much at risk for them!) Healthy Paws has been very easy to communicate with via e-mail and the reimbursement process was quick and fair. I'm very glad we have a policy with them. I'm a first-time pet insurance policyholder and I'm glad I made that decision. I received reimbursements within two weeks of first faxing the claims to them.