Our one year old lab underwent abdominal surgery due to a possible foreign body obstruction. After 2 visits, xrays and ultrasounds it was determined that she needed the surgery. Turns out she had ingested the small head of a stuffed dog toy which had become lodged in the small intestine. She did very well and was home the following night after the surgery. I nearly required CPR after seeing the costs for the visits, the surgery, tests and associated fees. Healthy Paws was amazing!! Claims were processed immediately and in less than 2 weeks I had the reimbursement checks in hand. I paid my $250.00 deductible and the office visit fee and the rest was reimbursed at 90% as per my policy. If only our health care plans could be so efficient and straight forward. The customer service staff is caring and genuine. Always inquiring about the status of our dog. I would highly recommend Healthy Paws. We used another insurance company for our other dogs in the past and there were always exclusions and hidden surprises that were not covered. Thank you to Healthy Paws for making a very sad and scary situation much less of a financial burden than we had originally thought.