I joined Healthy Paws about a year ago, based on reviews from this site. We have a 1 1/2 year old mini-Dachshund. He had to go to the vet 3 times over the past several months for different problems. All were resolved, and he's healthy. I processed all three claims at the same time -- my first time submitting a claim. I found the process very good, and their claim response very prompt. Being the first submission, it took some time to gather all the paperwork of my dog's medical history. Fortunately, there were no preexisting conditions on my claim. I've read to many horror stories. Healthy Paws reimbursed me withing a couple of weeks, and at the amount I expected. I couldn't ask for anything else at this point. I may change my tune later if they hike up my rates significantly, but so far so good. I would recommend them for sure.