My dog, Daisy, is 10 months old. She was recently diagnosed with allergies, a leaky bladder and an ear infection. The ear infections and allergies have been ongoing, often accompanied with hot spots. Needless to say we've amassed some large vet bills. We are thrilled with our Healthy Paws coverage! Minimal paperwork involved to file a claim. Easy to file via fax or e-mail or USPS. Very quick turnaround. The customer service people are super friendly and helpful. They even checked to see how Daisy was doing after her last episode with the vet. One of the best decisions we made was to get health insurance for our pet. Healthy Paws has been fantastic.