My 6-month old American Bulldog swallowed a toy and it was lodged in his stomach / upper intestine. We had to take him to the ER, and luckily he avoided surgery, but the bill was still $1,100.
Healthy Paws was very responsive in processing my claim, and covered everything except the Vet Exam fee. They mailed the check a couple of days later, which I've already received. Overall, they get great marks from me and the client service during the process was excellent.