My female Cairn Terrier, Kenzie, suffered a partial tear of her right rear ACL. Her surgery was on 1/15/14, and the claim form for the services she received was submitted to Healthy Paws electronically on 1/20/14. I received a confirming email on 1/21/14 that the claim had been received and shortly after that (in a matter of a few minutes), I received an email advising that the claim had been processed and the Explanation of Benefits was attached. The total claim was for $2,300 and Healthy Paws advised they would reimburse $1,618. Today, Jan. 27, 2014, my reimbursement check arrived in the mail. I am employed in the insurance industry as a broker, and am extremely impressed with the timeliness and efficiency with which Kenzie's claim was handled. I wish human health insurance carriers were this efficient! I am extremely pleased with Health Paws and would not hesitate to recommend them to anyone.