Late last summer, our 8 year old Maltese was beginning to slow down. With her vet, we decided to go conservative on the treatment, we did therapy (underwater treadmill, laser heat treatment, acupuncture). She responded well to the therapies. However, over the winter, she seemed to have more difficulties. Healthy Paws covers the cost of laser and acupuncture treatments. Since she was getting them on a regular basis, her pain was under control.Finally, last week, she underwent Tibial Plateau Leveling Osteotomy. Healthy Paws paid 80%. My portion was a manageable amount. Yes, there is a recurring deductible (annually) but the fact that alternative therapies are covered; the speed at which claims are processed, and the great customer service makes it a 10!