Murphy needed surgery on his leg. He is a 1 1/2 year old Yellow Lab weighing in at 119 pounds. The veterinarian said he needs a plate and screws to keep his knee from rupturing, surgery was performed that day. I called Healthy Paws, when I came home from leaving Murphy, to inform them about the surgery. I was assured all would be taken care of. This was on a Monday. The bill was $4200. I received a check the following Monday for 90$% of the cost. I also received an e-mail inquiring about Murphy's recovery and asking me to send them a photo. This company is GREAT!