Benni ate an entire tennis ball while I chased her around the park. It was of course a weekend so Urgent Care. When the vet asked about x-rays, emetics etc., I trusted my new Healthy Paws (untried at the time), Insurance and said to do what was best for Benni.
The insurance was paid as promised when I signed up, in a few weeks, and my dog was inquired about by Healthy Paws. I'm very pleased at this point with the no hassle, just as expected, reimbursement.