My experience with Healthy Paws was awesome. My year and half old dachshund had an ulcer on her eye and gastritis in a 2 month period. I didn't send in the claim on the eye issue but when the gastritis resulted in an overnight hospital stay the representative I spoke to suggested I file the claim for both. I was glad I did. Between the prompt courteous customer service, to the multiple ways to file a claim my experience was EXCELLENT. Did I mention, I was kept abreast of the entire process of the claim, and my check arrived from WA to FL in matter of two days! The service at Healthy Paws more than exceeded my expectations. If only human health insurance companies were so easy to work with.