Our 4 year old black lab ate several pounds of toxic grapes. The vet hospital urged us to get him in there as soon as possible to avoid renal failure. Thanks to our Healthy Paws insurance, we did not hesitate to begin treatment immediately despite the large cost estimate. Submitting the claim (no forms!) was quick and easy and our claim processed in a couple of days. I am a huge fan of Healthy Paws insurance and very grateful that we signed on two years ago when we adopted our lab!