I took out a policy on a labrador retriever puppy in June of 2011. About six months later he was diagnosed with Entropian Lower Eyelids. I had to take him into the Opthamoligist 4 times for re-tacking procedures and finally the time came for surgery. Over a six months period I filed multiple claims and each one was paid withing 3 to five days. The folks at Healthy Paws are excellent and very knowledgable folks and try to look for ways not to pay, In fact they advised me on some other things I had not submitted to them and they paid them as well.