Our dog ate a balloon in September. We submitted our claim and within 2 days, it was processed. In October, we realized our dog was sick and a pair of tights was missing. Sure enough, he had eaten them and needed emergency surgery. I had my personalized claim form (which I can download in a second when I need it)ready for the doctors. Our puppy did great in surgery and our claim was handled quickly -- within a week, we received our check! Healthy Paws was extremely responsive and checked in to see how our dog was doing. What a great company!