We've been using Healthy Paws for a little over a year and a half and the first year, thankfully, we did not meet our deductible and therefore didn't really 'need' Healthy Paws. This year, however, our dog had a an eye issue (she's fine and it went towards paying our deductible) and more recently a GI issue requiring an overnight with IV fluids, x-rays, meds, etc and we received our claim check within a couple of days. The claim process is easy, clear to understand, and fast. We keep a blank claim form on file at the vet and they handle everything with Healthy Paws. We also really like the personal connection with Healthy Paws - we can talk to real people easily and they even reach out to us after submitting a claim to see how our dog is recovering.