The Claim Representatives who handled my dog's claim were excellent. They were polite and kind with each conversation I had. I was faced with a delicate situation when trying to obtain records for the claim. The Representative stepped in and quickly obtained what was needed to settle the claim. I cannot compliment them enough. I liked the ease of being able to send & track my claim on my IPad. As I mention in an email, "I hope never to need use Healthy Paws again but I am glad to know your company will be there if I do." My claim was settled at 90% coinsurance and with the deductible I chose within 3 weeks.