On Mar.6, 2013, my 10 month German Shepherd pup tore out a toe nail. This required immediate vet care to treat the wound and stop the bleeding. I filed my Healthy Paws claim the same day (using their easy downloadable pre-filled form). To my astonishment, on Mar. 11, I already received my check in the mail. I've used other pet insurers and have never had such efficient service. Amazing!