We have only had healthy paws for a few months when one of our dogs, Ruby, got a mass cell tumor. I wasn't worried about the cost to help her because we have Healthy Paws. Our plan is the $100 deductible and they pay 90% after that. Between the aspiration of the mass, the surgery to remove it, the lab testing the mass, and medications, our bill was over $400. They quickly reimbursed us over $300. We got the check from Healthy Paws in the mail before our credit card bill with Rubys surgery on it even came in the mail. We are very happy with Healthy Paws. They even email me to see how Ruby was doing after her surgery!