My 2 1/2 year old chocolate lab has had 2 major health issues. She ate a highly poisonous plant and almost died, and she just had ACL surgery to repair a torn ACL. Healthy Paws responded to my claims quickly and had a reimbursement check in the mail to me within a week. They covered 90% of my claim and I could not be happier. We have never used pet insurance before and after working with Healthy Paws I would never own a pet without it.