I have submitted a couple of claims to HP and within a week, I have received payment. My boy Cooper had to have eye surgery and it was over $1200! They covered $1073!! When this happened to his other eye, I had VPI and they didn't cover anything. He also made a trip to the ER for upset stomach and that was $600! HP covered over $400 (had to meet deductible). Healthy Paws is THE best pet insurance company out there. Hopefully I won't need them often but if I do, I know they are there for us!