Healthy Paws has been absolutely wonderful! We only started our policy for our 8 year old bichon mix a couple months ago, and he started acting lame around Christmas time. I took him to the vet and he had an exam and xrays which showed a knee problem. We were referred to a specialist and we submitted our first claim for the xrays and pain meds. After receiving our dog's full medical history and reviewing it for 10 business days as was stated online, Healthy Paws approved the payment of a reimbursement, after our $250 deductible. Next, the specialist confirmed that our dog had an ACL tear and needed surgery. I called Healthy Paws and they assured me that the surgery would be covered. When the surgery was performed last week, we paid the bill and the vet faxed in the claim form. We received the reimbursement check for over $2500 TWO DAYS after the claim was submitted: even before the credit card was charged for the surgery! I am amazed by the promptness and caring demonstrated by this company, and I am telling all my friends about them!