My dog (labrador) recently injested a foreign object without us knowing. He became very ill one night and when we took hin to the vet it was determined he would need surgery. The item was already passed his abdomen and in his intestine which is a more serious surgery. My family and I had already undergone 2 previous surgeries w our dog but they were both events we had witnessed him eating somthing we felt he couldnt pass or throw up, so his surgery was in the belly and less critical. I say this because I wasnt even sure Healthy Paws would insure my dog because of his previous "accidents." The monthly cost is very reasonable as we compared many others. The claim form couldnt be any easier to fill out. We were fully reimbursed and the claim was reviewed in less than 10 days! I think this company is awesome!