Healthy Paws took in my old lab than many other insurances refused to accept. Healty Paws is amazingly fast and easy with the claims. It literally takes 20 secs to submit a claim (you just log in and upload the receipt, no forms to fill out whatsoever!!) and you get a confirmation from them in about 2 days (sometimes even less!) and a check in about 5 days. It's amazing!!! In this year they have refunded me over $2,000 with no questions asked and as polite as usual. The security and peace that this insurance brings me is incomparable.