My dog was on another insurance for about 6 years. I changed over to Healthy Paws because I couldn't strand dealing with the other insurance and I had read rave reviews about Healthy Paws. Within a 6 weeks of being on the insurance, my dog needed emergency surgery for a splenectomy. Costs were about $5,300. If we hadn't had this insurance, we wouldn't have been able to afford the surgery and would have had to put him down. I had a check in hand 2 or 3 days after I had submitted the claim. It took longer because there was a lot of paperwork. My cat needed exploratory surgery last week and Healthy Paws offered to prepay their portion of the bill. Once again, the time between submitting the claim and receiving a check was just a few days. The few times I've had to actually speak to someone, they were very pleasant. Emails are answered within a few hours. And they just sent me an email asking about how he was feeling and were specific as to what sort of surgery he had. I seriously can't say enough nice thing about them!!!!