My dog had to go to the emergency for severe diarrhea with blood and major dehydration (as we found out). He had to stay overnight and after the whole ordeal his bill came out to over $1400. Just for diarrhea!! Healthy Paws paid me over $1100 of that back (they took off the $100 deductible, examination fee, and they took take of 90% of the rest of the bill). I was calm during the whole incident because I new I was covered by Healthy Paws. I would never have another pet with out insurance. I had to pay over $3,000 (before insurance) for pneumonia when I first got my pet and never again!