I have a very large German Shepherd whom has had an interesting first year of life (hes a bit of a clutz). I cannot say enough good things about how amazing Healthy Paws is! My relationship with them thus far can be summed up by this most recent experience. Maverick (my dog), had an incident at a local dog park where he was injured unintentionally. I took him to the ER on Sunday night at around 7pm. I submitted the claim to Healthy Paws at around 7pm the following evening. I got a call from Jen at 7:45...stating that she was about to be leaving for the night but saw the claim and wanted to call and make sure he was ok!! Honestly...I have NEVER heard of a turn around time that quick anywhere..let alone someone genuinely caring that much. Not only did Jen call back within 45 minutes..the claim was approved..and the check was sent out the following morning! So do the math..incident 7pm Sunday night...Check in my hand Tuesday afternoon; trust me when I tell you NOBODY else would ever do that so quickly and with such genunine concern. Please do yourself a favor and get this insurance!!