I recently had an emergency visit to a 24 hour animal hospital because my loving dog had an allergic reaction to something, to this day unknown. At 10:30 PM on a Friday night I noticed that his face was swollen and he had considerable discomfort, so I called my vet and was referred to the nearest 24 hour animal hospital. They provided excellent care but the charge was fairly high because it was an emergency. My dog recovered quickly after being medicated and I submitted a claim by email to Healthy Paws the same day. within 24 hours my claim was accepted and I received a check in the mail by the end of the week. They followed up with a note asking how my little boy was doing which I thought was a nice touch. I highly recommend Healthy Paws for pet insurance.