LOVE healthy paws. I can’t say enough great things about them. My dog has been insured since 2014 when he was 2 years old. They have been with us through 2 knee surgeries and a few other vet appointments of xrays, etc. I always receive my reimbursement within 7-10 days. I’ve called a few times with questions too and they are extremely nice and helpful! They will check in with you on your pet after a major surgery too to see how it went and how their recovery is going. Really great customer service!