My dog lacerated his paw pad and needed multiple surgeries and several trips to the vet's office to replace the bandages, check on healing, purchase medication, etc. I had been told by a friend that Healthy Paws' claims service was fast, but I didn't really believe it until I had to submit a claim myself. My claims were processed very quickly. I must have submitted nearly 10 claims for this one incident, and each time I got an email within a day or two that my claim had been processed, and I received by reimbursement within a week of submitting each claim. Very happy with the service and highly recommend Healthy Paws to anyone looking for quality and affordable pet insurance for their pet.