My dog recently tore her ACL and Healthy Paws made the experience a lot more bearable knowing I could focus on taking care of my dog and not how much it was going to cost. The first claim I made was a smaller bill for x-rays and it was approved in less than week, but I opted for a check through mail and am still waiting for it (3wks later). For the claim for the actual surgery it took them about 2 wks to process, but this time I opted for direct deposit and it was in my account 48hrs after it was approved. It was very easy to file, you just send a picture of the invoice and customer service was great when I had a question. I had a response back via email by the next day. They even sent a email with well wishes while my dog was recovering. Overall, I've had a great experience with them, will continue to use them, and will recommend them to anyone.