After an overnight stay for our 2-yr old puppy in the ER, I contacted Healthy Paws about a vet bill for $1800. I sent the claim form in via fax and within hours I had already heard back from them saying how they were going to cover about $1600 of it (everything but the emergency fee).
It's been a few days and I haven't received the check yet, but I've received other checks from them within a few days.
Perhaps the best part was a follow-up email from them a few days later asking how my puppy was doing. A very unexpected personal touch, and very appreciated.
Outstanding attention and care, great to work with. Highly recommend!