My dog Narra required an ACL and meniscus surgery just months after signing her up with Healthy Paws. No questions we ever asked about this. My fiancé and I could not afford to pay the surgery costs and then be reimbursed so Healthy Paws offered to do a direct pay to the vet for the surgery. Without this as an option Narra would still be in pain and my fiancé and I would still be struggling to figure out how to pay for the surgery. Healthy Paws made it possible for Narra to receive the care she needed. We are forever grateful for their service and wonderfully kind and caring team!! I highly recommend this company. They truly care about the well being of you pets!