The first time I submitted a claim it was denied but on further conversation with the company they covered the claims. As a consumer you need to ask questions if something isn't working for you!
My dog has some arthritis issues in his back and HealthyPaws covered treatment by a Physical Therapist who is licensed to practice with dogs! I am lucky I live in an area where I have a vet's office with this service!
My dog has been doing great, I learned a lot from the Physical Therapist and my dog is really benefiting from the exercise, massage and heat I have been doing with him which keeps him healthier, feeling better and keeps him out of the vet's office!