Right before Christmas my Golden Retriever, Sugar Bear tore her cruciate ligament. After a visit to the vet, surgery was the recommendation. Not only was I worried about my dog, but I was also worried about the expense of surgery. I called Healthy Paws and was given the step by step procedure to file a claim once surgery was complete.I used the personalized form, my vet faxed it in the day I picked up Sugar Bear, and within hours I had an email from Healthy Paws letting me know what my claim status was. Two days later I received notice that a check was on its way! A day later the check was in my mail box! Unbelievable service! I highly recommend Healthy Paws pet insurance!