We have been with Healthy Paws just over a year and have had to submit a couple claims in that time frame. First, the claim process couldn't be easier. I submitted one brief form with receipt and received email confirmation that it was being processed. Second, the claim was processed within a few days and exactly as promised with no "fine print" exclusions. The check was in the bank before the incisions fully healed. Third, I truly appreciated the caring follow up email from the company asking about my pet's recovery. Just made me feel good about the attention to customer service. Overall, would highly recommend!