It can not get any better than Healthy Paws!! I submitted my claim via email at 2 p.m. on Wednesday. The next day, at 8:15 a.m. I receive an email stating that the claim was processed and the check is on the way!!! This is not a one-time event either! My other claims, sent by mail, also had an outstanding turn-around time. The customer support team is also very friendly, caring, and supportive. No need to shop around . . . this is the best!!