I have a 9 yr old Shitzu and she had a ptoblem stanting up. I took her to the vet hosspital and they xrayed her back legs and done some othet tests released her.Todat she is fine. I turned in the bill to Healthy Paws and now they wand a copy of an examin that she had done 3yes ago. I told them I do not live in the area and do not remembe the facility. They said that if I do not get the copy of the exam They will not pay for this bill. Alss thet do not cover the office visit even in the hospital. I cancelled my policy. They are nothing but a Rip Off.