My Black Lab, Happy has arthritis, which was pre-existing when I bought his Happy Paws policy. However, he discovered a T-Bone steak bone from goodness knows where, and being the carnivore that he is, must have made quick work of it because when I found him he only had a nubbin left. Some of the sharp pieces must have cut his gut, because when I took him to the Vet he had some hemorrhagic diarrhea. It was touch and go for a while, but Dr. Hunt of University Animal Hospital in Greensboro,NC pulled him through. The insurance paid 70% with no hassles. Just my luck, we hadn't put a dent in the deductible, but the remittance was still substantial. Fast turnaround, no lawsuits threatened, just a genuine interest in Happy's health! It just doesn't get any better than this!