My baby, Coco had to have emergency surgery to remove a foreign object from her stomach...during the surgery, the surgeon discovered a major artery not filtering through the liver correctly and they needed to put a shunt in. The surgeon said she likely would have started going through liver failure at some point and they would not have known this was going on only by opening her up to remove the foreign object. I never had to second guess what they were doing for Coco because I knew she was protected by Healthy Paws. I did consistently check that vet records were received because there were 3 different vets due to various moves I've made. But every time I called, every representative I spoke to was helpful and very courteous and professional. Most even stopped and asked how Coco was doing. Once all records were received, they opened and completed my claim within 2 days. And they covered everything I expected them to at 90%. What would have cost $3600 out of pocket only ended up costing $900. And my baby is recovering very well. Healthy Paws was definitely the best choice and a great investment!