My dog became sick with intestinal issue and had to go to the emergency vet. (It always happens on a weekend!) The she was transferred to my regular vet for follow-up and care. Surgery was not out of the question but was avoided. I submitted the bill for the emergency vet to Healthy Paws. It was simple. I emailed the invoice and medical record and got the check within a week. I then had a bill from the regular vet. The vet submitted the bill on Friday and the claim was processed on Monday. I am so happy I opted for insurance and especially this one! I had done a lot of research before selecting an insurance to get the terms I wanted and I got it right! Thank you Healthy Paws!