I have insurance for my cat and dog. I have had to use it on both my pets. Submitting my claims were very easy to do. The reimbursements have been very quick. This last time my dog was boarded for a long weekend, she was bitten by another dog. Since it was a long weekend, my dog had to go to an emergency vet. Healthy Paws received my claim on the following business day. I received my check shortly after. I got an email shortly after that asking how my dog was. That made me feel good that they cared & took time out to ask. I tell all my friends that Healthy Paws is the way to go for pet insurance!