My puppy turned one earlier this month and had been completely healthy the entire year. Suddenly she got Kennel Cough. I was able to immediately take her to the vet without fear of a large bill. Unfortunately, their diagnosis did not catch her eventual pneumonia and lung tear that put her in the hospital's oxygen tank for 3-4 days (at $1300/day). My dog died despite everyone's intense effort to help her. We were shocked. Even my vet, who thought she might have a chance, couldn't believe her kennel cough got out of hand like this in a matter of days. But thank god for Healthy Paws. I was able to give her the best chance before we put her down. I have no regrets. She got the best (most expensive/advanced) help she could. Within a few days she got ALL the necessary procedures because I didn't have to worry about making a choice between her health and a fear of extraordinary bills. I also want to mentioned that Healthy Paws sent me their condolences pretty immediately (I got 3 separate emails from different team members). They dealt with the claim within the promised 10 days and communicated with me the whole way through the claim process. I LOVE THEM. They cancelled my policy for me (I didn't need to ask) the day she died. I feel so well taken care of and truly touched by their genuine love and compassion for animal families. I will use them for all my future pets.