We signed up with Healthy Paws and my husband was not thrilled with us paying $64/month for something he did not believe in. In July we took our Boxer to O.S.U. for knee surgery. Healthy paws has a yearly deductible, not per incident deductible. They paid 80% of our expenses minus the deductible and $140 for xrays. So our $3,065 out of pocket was reduced to $975.00. Very happy with the speed of their responses and processing time and reimbursement. My husband is a believer now!