My dog Ben has been insured with Healthy Paws for over 2 years now, and I'm still happy with the decision. They've added a new feature for filing claims: all that's needed is an upload of the invoice from your vet to your account on their site, no forms or signatures needed. There was a claim for a test last Wednesday that I uploaded the same day: the check from Healthy Paws came yesterday, and the results of the test won't be in until Friday. I've had coverage with with other companies - one required a diagnosis to pay claims. We don't know for sure what's going on, so I'm grateful to have coverage that will pay anyhow. I'd really rather have a healthy dog, but since right now I don't, I'm glad I have Healthy Paws.