My 5 month-old puppy ate a binder clip and needed stomach surgery to have it removed. It was really hard, but I'm so glad that I didn't have to make decisions based solely on cost because of Healthy Paws. They processed the claim so fast and got everything taken care of the day after they got the claim. The insurance has paid for itself for the year and then some. Plus, they followed up with me via email to check on my pup.