Our cat Jack got very sick where his chest cavity filled with fluid and pus. He only had a 50/50 chance of surviving. If we didn't have Healthy Paws, we couldn't have him cared for. His bill came to $8000 and there was no way we could have afforded it. Unfortunately, we had to pay for each visit and the week in the hospital and specialists. I didn't know how long it would take to reimburse us (90%), but within 5 days of submitting each bill, we got a check; a big relief.Jack is fine and we got 90% of our money back as promised. Great company!