My German Shepherd, Triton, hurt his leg and I took him to the Vet. Xrays were taken and it was determined he would need a major surgery (TPLO). Basically, the equivalent of a knee replacement. The cost for everything would be about $4500. Yikes! Not only did Healthy Paws handle this claim very quickly, the customer service is outstanding. They are very compassionate and caring animal lovers! I couldn't believe the conversations I was having with them, both on the phone and via email. They asked repeatedly how Triton was doing and sent well wishes. The claim was processed quickly and I received my check in about 10 days. My Vet also says that Healthy Paws has the easiest claim forms they've encountered, making the entire process that much easier. I was on the fence just 6 months ago debating to get pet insurance or not. Boy am I glad I did! I did lots of research because there are many insurance companies to choose from. I'm SO glad I chose Healthy Paws! I wish my own insurance company treated my the way they do!