We have had Healthy Paws for 4 years and only had to use it once (great experience then too) before our Yorkie needed recent surgery. I called up before the surgery to check if I needed to do anything or for pre approval. They were amazing and reassuring during this stressful time and let me know all we needed to do was get our baby taken care of and provide them the invoices. They followed up to see how she was doing. I sent in the invoices and the claim was processed and paid within 2 weeks and then checked in to see how she was doing. Healthy Paws was there before, during and after. Thank You Healthy Paws for all you do!