We took out an insurance policy with Healthy Paws in October of 2010 as our dog had already had one knee operated on and there is a 50/50 chance he will blow the other knee. In March, we filed our first claim due on a small injury he had. In less than one week, we were reimbursed for xrays and medications. We were amazed how quickly they responded. Then, one week later, our dog has to be taken to the ER due to what was diagnosed as Addison's Disease. Healthy Paws was great. I filed the insurance claim form and faxed it to them. That same day they sent me an email letting me know they had the form and were sorry to hear of his illness. Within one week of our visit to the ER, we were reimbursed for 90% of our expenses, which was not cheap. With this disease, bloodwork and meds will be needed for the rest of his life. These costs range over $200 every 28 days. Each time we go to the Vet's office for his treatments, they file the claim form for us. It is just that easy. By that evening, I usually have an email telling me they are working the claim and within 24 hours I receive an email with the easy to read Explanation of Benefits form showing what was submitted and what will be reimbursed. Then within days, I receive the check in the mail. Healthy Paws has taken the stress out of dealing with our dog's disease. We love our dog and know that we would pay whatever to help him. It is great though to know that Healthy Paws is by our side while we go through this.