I would rate Healthy Paws Pet Insurance as A++++! Our dog TJ was recently taken to an emergency hospital and had to stay overnight and had several tests done. Thank God he's okay now. Access to and submission of his "personal" claim form on the Healthy Paws Pet site was beyond easy. My claim was accepted AND approved within hours and I received my check within a week. I WOULD HIGHLY RECOMMEND HEALTHY PAWS PET INSURANCE.