I have a one year old english bulldog puppy. I knew that bulldogs often have health problems, so I thought it a good idea to get insurance for her. I can afford the monthly cost a lot easier than I can afford a $3,000 pet bill. Little did I know, she had a genetic disorder requiring both of there knees to be replaced. Penny just turned one, so the news was very unexpected. My vet warned me most pet insurance companies will not cover genetic disorders. But Healthy Paws covered the whole procedure, no questions asked. I had my reimbursement within a week of me sending all my documents in (invoice, doctors notes). I don't know what I would have done without Healthy Paws. I think I would have had to give Penny to a rescue that could provide her with the care she needed. Honestly without Healthy Paws I would not have been able to keep my baby, and I feel so grateful for them!