As luck would have it, my pooch tore her ACL just a month after getting insurance from Healthy Paws. If you've ever had to pay for such a procedure you know how much dough that can set you back. Not only were the folks at healthy paws kind and concerned, I didn't get the shakedown when I filed the claim. And approval came quickly. If you don't have pet insurance get it and get it from Healthy Paws.