I was amazed at how easy and streamlined the claim process was. Healthy Paws processed my claim in less than a week and mailed me my check right away. They covered everything including blood tests, radiographs, hospitalization, and medication. The only thing they didn't cover was the medial exam (which was a small chunk of change compared to the other costs).I honestly was considering canceling the insurance a week before my dog's hidden autoimmune disorder surfaced. It had nothing to do with the insurance company. I felt like I didn't need the insurance since my dog seemed so healthy. But you don't really realize how important insurance is until you use it and I'm so glad I stayed with Healthy Paws. When I talked to a Healthy Paws representative, I felt like they really cared about how my dog was doing and I greatly appreciated that.