Upon adopting a rescue dog I decided to shop for insurance. After some googling and reading reviews on several Insurance companies, I settled on Healthy Paws. Very glad I did!!I have both my dog and cat insured. I have turned in several claims on my dog and 1 on my cat so far. In every instance I received notice via email as soon as HP received the fax from the vet or myself depending on circumstance. Usually the same day I was informed via email that the claim was processed and I was provided with a PDF file to look at online or print out showing what was covered and what was not covered.. usually just the exam fee was not covered which is standard.. and best of all my 90% refund check arrived within 1 week. doesn't get any better than that!!