My dog required TPLO surgery on both rear legs. Watching him walk as if crippled was so awful. When I was told it would cost $ 8000.00 I thought I would faint. But my next thought was that Healthy Paws insurance would come through for me. Did they ever! I received notification that my claim was being processed and then that my reimbursement was in the mail...the day after the clinic sent in the claim! The Healthy Paws customer service is simply the best! Their insurance is worth every penny.