This is our first time having pet insurance for one of ourpups and we have been beyond impressed with the level of customer service, how easy it is to submit claims (our vet just faxes the claims in for us after any procedure or visit), and the speed with which the claim is reviewed and the reimbursement checks arrive in the mail. In the very rare event, I need to call Healthy Paws, an actual person answers the phone immediately and they are always so, so helpful. It has been such a relief to know we have insurance while dealing with the stress (and expense) of keeping our little pug healthy. For years, we questioned whether or not pet insurance would be worth the "hassle" we were expecting in getting claims submitted and approved. But we have had such a positive experience, I recommend Healthy Paws to everyone I know that has a dog. Our only regret is waiting so long to sign up!