Several times I have used Healthy Paws, I always have a check within five days, hard to believe in this day and age. The last time was about a week ago while at a park my dog ate something that made her violently ill, we took her to the vet and she was sent to a critical care hospital. They suspect she ate marijuana. She spent the night on an IV and recovered quite well. The big was large, but with 90% of the bill covered by Healthy Paws it was quite manageable.