we have a 3 year old mixed bread that has addison's disease. he almost died last christmas of undiganosed addison's disease. The bills put a real damper on christmas but thanks to healthy paws, we fill out the paperwork and we were reimbursed 90% ! Now one illness is bad enough, just last week our dog needed knee surgery from falling on the ice. Knee surgery is not cheap ( $3000) . Again we will fill out the papperwork and healthy paws reimbursed us 90% within days after the surgey! My expereince with other insurance companies on other matters would either raise your rates or drop you as a policy holder. I think other companies should follow the same suit with their customers. To top it off they even have emailed us , 3 x times to check on our dog!