We had a sick kitty, very sick. Ate a pine needle and it almost killed him!. Had to take him to the emergency and to the vet the following day. Claims were sent to Healthy Paws and they reimbursed us right away. They held their end of the deal. I am very happy we have insurance as it would of costed us double the amount. I lived in the UK for years, they always have pet insurance, but in the US it is not so, not many have insurance. When we got our two little tykes, we debated whether to get insurance. A worker at Petco told me his cat swallowed the end of door stop. The cost to operate was 3000.00! He had insurance, their cost was a small fraction. That convinced me to get pet insurance, and it has payed off! Well worth it. Healthy Paws so far has proven to be excellent. Thank you Healthy Paws!