My dog Katy had a procedure to do a root canal. Post surgery - claim was submitted and I was reimbursed the 80% in approximately 3 weeks. Fantastic! What I love about Healthy Paws besides being reimbursed in a timely manner is their accessibility, caring and helpful over the phone and I experienced wonderful communication with them. Their emails of concern over our Katy was so appreciated. I feel the representatives of Healthy Paws definitely strives to go over that %100 of effort. There is a reason I have 3 of my canines with this program. Thank you Healthy Paws.