Healthy paws helped save the use of my dogs leg with no hesitation and no questions. Without healthy paws I wouldn't have been able to give Goldie the care she needed. I didn't have to choose from a list of providers either. I picked the time, place, and doctor for Goldie's surgery, all expenses cover 90% and I got my check reimbursed within 5 days. If your hesitant, don't be. I am SO happy I chose healthy paws. Good luck fellow pet owners. You won't be disappointed. I promise!