We've had healthy paws insurance for Winston for 4 years, since he was a puppy. Well it really came in handy a couple of weeks ago. At almost midnight on a Saturday night, we realized that Winston was in distress. We arrived at the emergency vet at 1am. The vet started immediate treatment. Winston stayed the night and part of the next day. When I picked him up the bill was shocking. The receptionist offered to handle sending all the necessary medical documents to Healthy Paws for me, I didn't have to do a thing . Within just a couple of days I received payment from Healthy Paws! I couldn't't believe how fast and easy the process was to get reimbursed. Additionally, we received a courtesy email inquiring about Winston's recovery. These are people who care about pets. I will never be without pet insurance ever again. It takes the worry about expensive vet bills out of the equation.