My dog started to limp one day and it did not improve. After a couple visits to the vet, they realized she had a shoulder injury. The treatment has been expensive and Healthy Paws has been so helpful. Since I signup up several years ago they been amazing. Four points: Their forms are so easy I typically file them right in the vet's office. Within a day or two of filing a claim I receive an email confirmation that the claim has been received. Usually within another one day or two I get a second email telling me the claim has been processed and how much the reimbursement check will be. Several days later, I receive the claim check in the mail. So quick and easy. I highly recommend Healthy Paws to anyone with a pet. They have given me peace of mind when making health care decisions for my dog.