We adopted a 5 year old Beagle mix in September, 2013. Because she was a rescue, she had very limited medical records when I applied for the insurance and was thrilled they accepted her. She tore her right CCL in May, 2014 and tore her left CCL in October, 2014, both requiring surgery. In both instances, the claims were processed within 5 days and I had check in hand within 10 days. The bills totaled about $9,000 for the two surgeries and Healthy Paws paid 80%. We feel so fortunate to have this insurance. Thanks, Healthy Paws.