My boy had a dumb accident (he decided to eat out of another dog's food bowl and the other dog wasn't keen on that thought) and got nailed on the top of the head. Long story short in one month he ended up going to 4 different vets, one ER visit, one 5 day ICU stay, one visit to have staples removed, another emergency visit for stitches, etc.
I was really afraid Healthy Paws would turn down the claim as it was complicated and kind of crazy. They didn't even blink an eye. They did call for confirmation of a question, but were very nice, kind, yet professional. They had the claim(s) paid within about 2 weeks. They paid over $1600 on a $2300 claim (less $500 deductible, office visit fees and a small preexisting condition which was a thyroid pill), I have a $500 deductible with 90% reimbursement.