I recommend Healthy Paws Pet Insurance every chance I get, just as I was recommended by a satisfied policy owner. I was told that for the first claim, the processing can take longer, due to the claims handler gathering the medical history of our dog. My vet submitted all their documents and reports to Healthy Paws on a Thursday, and I rec'd an email the following Monday that the claim processing was complete, and a check was mailed the next day. I've heard the horror stories from other pet owners and cannot say enough about my experience.
I only wish "people" health insurance companies can take a clue of how to treat policy owners>