We just completed a claim with Healthy Paws for an emergency operation for our 8 month old chocolate lab. She had a piece of a chew rope stuck in her tummy and it rotted away about 5 inches of intestine. Honestly, I expected reimbursement to be a bit of a battle. I could not have been more pleasantly surprised. The claim process was easy, customer service was not only friendly and helpful, but genuinely concerned about the health of my lab baby. We received the claim in about a week. I would highly recommend pet insurance by Healthy Paws!