Over the course of a few months our puppy had a couple of minor illnesses (ear infection, diarrhea), & then she broke her toe, and had an allergic reaction to a bee sting. I first submitted a claim for the broken toe, & Healthy Paws recommended I submit claims for the previous illnesses. Healthy Paws has been fantastic. I received emails confirming each claim the same day they were sent in, and received another email when the claim was processed and the check was on its way. In all, I think we had 5 or 6 claims over a couple of months, and we received reimbursement checks less than 1 week after submitting each claim. And the customer service has been wonderful - warm, caring, and considerate.