I'm a new member of Healthy Paws with my 10 month old Lab. He was diagnosed with bilateral elbow dysplasia recently, and underwent laproscopic surgery on both elbows at Ohio State University's Companion Animal Hospital. THroughout the process, the great folks at Healthy Paws were there for us, quickly reimbursing me for costs incurred (less than a week!). They have been extremely understanding and have responded fast with all of my questions. They even follow up to see how my boy's doing after his surgery! After my last Lab I decided to look into insurance, and Healthy Paws was very highly rated. I can see why now!!