I am so greatful to have had healthy paws insurance for my dog when he hurt his leg. After a few expensive doctors visits, it turned out that he had torn the ligament in his left back leg and needed surgery! If we had not had insurnace, there is no way we would have been able to afford the medical care our dog desperatly needed. Thank goodness for that 80% reimbursement! Now my dog is running around and happy to be mobile again, and we are not in massive dept! Healthy paws made it so easy to file claims and were very fast in sending checks out. THANKS HEALTHY PAWS!