Recently my very active 3 yr old Boxer had to undergo TPLO surgery for a torn ACL on her back right knee. She was hopping around on 3 legs and was having a hard time sitting and laying down. The surgery was costly but necessary for my young dog's mobility and comfort. Prior to surgery I called Healthy Paws fearing there would be some exclusions in the covereage, but instead talked to someone who was concerned about my dog, and reassuring that the surgery would be fully covered. After surgery I submitted the claim and in a week I had the full 80% reimbursement per my policy. When I saw an email from them I thought it would be for additional information but instead it was to find out how my dog was recovering. I've been impressed with Healthy Paws since signing up. I did my research prior and found a lot of other Pet Insurance companies offered complicated policies and were not as comprehensive in their coverage. I appreciate Healthy Paws's approach and am so happy I chose them. I never want cost to be a factor in caring for my dog's health and Healthy Paws is providing that peace of mind.