I have had healthy paws for a few years now and haven't really had to use it so I wasn't sure how it would all work. Then my dog ruptured a disk in his spine leaving his back legs paralyzed. He spent the night in the emergency room and the next day he went into surgery. The whole thing ended up costing $5300. I still would have went through with everything even if I didn't have insurance for him but its a breath a fresh air to get that check. Also I sent the claim in and a week later I had my check in hand. They sent me a message asking how oscar was after his surgery. They really treat you like family!