My dog had to have surgery, and the final bill was over $2,000. I submitted my claim to Healthy Paws, and the checks were in my mailbox in less than a week. They called and emailed to follow up and make sure the little guy was feeling better. It was a weight off my mind while he was in the hospital, knowing that Healthy Paws was waiting in the wings. So there was never a question of whether or not to proceed with a treatment. Highly recommend.