I have only been insured for about a month. I have an extremely healthy 4 year old Boxer. About 10 days ago she was bitten by a Mojave rattlesnake and nearly died! She was in the veterinary hospital ICU and received very expensive antivenin. The total bill was nearly $2,500. She is now out of the woods and should make a fully recovery. I submitted the vet bills to Healthy Paws last Friday and got an email on Monday indicating my claims were approved and checks were being sent to reimburse me - EXACTLY AS THEY PROMISED! What an amazing pet health insurance company. In fact, it is the best insurance company of any kind with whom I have ever dealt.