I've been with Healthy Paws for about 2 years now. In that time my dachshund has required two major spinal surgeries than ran me into the thousands each time. Healthy Paws has always been fast to cut me refunds quickly and with no hassle. They won't cover pre-existing conditions, but I researched other pet insurance policies and none of them do. At first you must have your vet submit all of your pets medical records, but after that filing a claim is a piece of cake, it can all be done online, which makes is easier and faster.