I purchased Healthy Paws Pet Insurance in October of 2013 for my two scotties and my westie and in November 2013 we added our scottie puppy. At the time one of our girls had recently had surgery for a very aggressive cancer and was undergoing treatmnet. We lost her last June after 11.5 months of treatment and medical bills totaling $12,000 out of our pockets because she did not have pet insurance. We realized then that if another of our girls became ill, we would not be able to afford treatment. We researched pet insurance and chose Healthy Paws. One of our scotties was diagnosed with a liver tumor recently. She had several ultrasounds and bloodwork as we monitored the growth which was all covered by Healthy Paws. She had the tumor and half of her liver removed last week. The total of the claim was $4,690 for the surgery alone. I am able to upload my receipt and medical records on Healthy Paws website to submit them and my claims are always processed within 24 hours and a check is in the mail. Some claims have been processed in just 2 hours as you are notified via email of the claim status. I receive reimbursement in less than a week from the date of service. They also have wonderful customer service. Everyone I've dealt with is professional and caring. I highly recommend Healthy Paws!