I can not say enough GREAT things about Healthy Paws. When our dog first got injured I freaked out. Right off the bat, we were looking a 1,000 dollars worth of vet bills. What propelled the stress into overwhelming feeling, we found out he would require surgery that was well over 6,000 dollars. After submitting the bill with his records and notes from the surgeon, we were reimbursed at the 80 percent rate (minus the examination bill) within 3-4 business days. This was a HUGE relief and we are glad to say that Paxton is nearly fully recovered and this insurance is part of the reason we were able to give him the best care possible. Healthy Paws even sent us a personal note checking on his health post surgery. TOP NOTCH!!! Thanks Health Paws!!