My puppy has had a few minor non-routine issues in his first year. My Vet submits the claims for me, and I cannot believe how fast they are processed. I sometimes have the email confirmation that my claim has been received even before I get home from the Vet appointment, and the claims have always been processed within 1-3 days. The customer service team is great; someone always calls (and/or sends an email) when the claim is processed to go over the details and answer any questions. While they do not cover basic routine "maintenance-type" of issues -- yearly exam, vaccines, spay/neuter... these types of costs are expected and budget-able, and I believe this is what keeps the premium down. My premium is extremely manageable -- much lower than other Insurers, if not the lowest for the same or better coverage. I am glad I selected Healthy Paws, and they are there for the non-routine concerns and emergencies.
Cavalier King Charles Spaniel