Our Standard Poodle, Roxy, had surgery on Monday at about 1 pm. I brought her home, along with the receipts for $785, at 5:30 pm that same day. At 6:00 pm I scanned in the receipts and emailed them to Healthy Paws. At 9:00 pm I got a reply email, with the processed claim, showing that we would get a check for $700.20!!! The check arrived in my mailbox that Friday. Wow - I think this is top notch service. I have been recommending Healthy Paws to everybody-they are the real deal.