Our 3 year old mastiff rescue injured her ACL and required surgery. I forwarded all the medical records and invoices to Healthy Paws. Within 10 days or so, we had our reimbursement check. The website was very easy to navigate, the claims submission process couldn't have been easier, and their communications to me were professional, caring, and informative. Like others, I did a great deal of research before signing up with a pet insurance.I could't have made a better choice. Thank you Healthy Paws!!