I have my 3 dogs covered with Healthy Paws, but had never filed a claim. Last month, my Yorkie tore his ACL in his hind leg and the Vet told me he needed surgery. As soon as the surgery was completed, I filed my claim with Healthy Paws. They immediately confirmed they had received my claim and they kept me apprised of the progress. There were no problems at all, everything went smoothly and efficiently. Their staff is professional, knowledgeable and very caring. The surgery totaled over $1,300.00 and I thought it would take months before I saw any of that money back. Then, approximately ten days after I filed the claim, I received the reimbursement check! I could not believe how quickly I received the check! They even followed up with me several days later to find out how Teddy was doing. I've had my dogs insured with other companies in the past, but I've never had this kind of excellent service from any insurance company. Healthy Paws Pet Insurance is a trustworthy company and they really care about animals...it shows in the way they do business. I am beyond thrilled that my dogs are protected with them and I will never change to another company. If you are looking to insure your pets, you will not be able to find a better company than Healthy Paws..I highly recommend them.