The last time I had pet insurance I ended up spending $1,800 and getting no refund and a month of run around. With Healthy Paws I was able to take my dog to the vet where it was recommended he undergo blood test and extracts. The cost was over $600. I had my vet sign off on the claim and I emailed the documents to Healthy Paws. The only drawback was that they needed his medical records in order to process his first claim and the vet office said that the fax would not go through because the line was always busy. I ended up emailing the records myself but Healthy Paws was in contact with me daily and processes my claim within days. I highly recommend this insurance company.