I've had this Healthy Paws pet insurance for about l l/2 yrs. My little dog got sick before 4th of July, 2017. She swallowed a rock which caused pancreatitis. She had to be in the hospital for l l/2 days. Her bill was over $2300. I filed the claim on July 4th and received an answer and explanation of benefits within less than l hour. We received the ck on July 8th, for the full amount as per the policy! Such a quick response. Also a get well card in the mail yesterday. Very happy with that process. I believe the insurance coverage is well worth the premiums I'm paying. We previously lost a dog after paying $l0,000 for 2 surgeries. That's why I decided to try pet insurance again.