My 6 mos lab puppy, Clark chewed and swallowed pieces of a toy. He ended up spending 2 nights in the vet hospital. Fortunately he was able to avoid surgery. He was treated with IV fluids, antibiotics, and pain meds and I am happy to say he is back to his old self. Healthy Paws had our claim processed within 24 hrs after we submitted the paper work. We got a check 3 days later and then a follow-up email a few days later asking how Clark was doing. Their customer service was exceptional and I highly recommend them for pet insurance!!!