Our dog, Lilly, had to have a mass removed from her abdomen after 2 vets could not say exactly what it was. Luckily, it turned out to be a benign growth and she is totally recovered and back to her normal self. I called Healthy Paws about the claim and spoke to a very nice and helpful representative who was able to tell me that they had not received the claim from the vet at that point. After I called the vet to remind them to send in the claim, I received a check for the surgery within a week. They have always been friendly and courteous and prompt in handling any questions or claims.