My dog Gracie has had three surgeries. An episioplasty for continual vaginal infections, a ruptured liagment on her right knee and a ruptured ligament on her left knee. Each time Healthy Paws has processed, approved and paid her claims within 72 hours. Gracie was a rescue puppy and not knowing her background I decided to get insurance. It turned out to be a wise choice. If you are considering getting pet insurance look no further. This company has the best customer service I have ever experienced!