A couple of weeks ago, my Toby injured his back jumping on or off furniture. When first going to our vet, Toby was diagnosed with a herniated disc and was being treated with meds. Four days later, Toby's condition had worsened and brought him to an emergency pet clinic. The herniated disc has now ruptured and had surgery that day. I had gotten pet insurance almost one year to the date before I unfortunately needed to make a claim. Healthy Paws claim form was easy to obtain from their website and very simple to fill out and then submit the form via fax or mail. Within 2 days I received an email from Healthy Paws on the progress of the claim. Within 4 days I received an email stating the claim was completed and in that email is a link that brings you to the breakdown of claim! I am extremely satisfied with the entire process! Awesome...totally awesome!