We were very happy with the service we have received from Healthy Paws. Our yellow lab Jake started to favor his back leg, and we were upset to find out it was a torn ligament. Of course we would do anything we could for him, but the surgery was going to be expensive ($3,200). We had no problems at all getting a check for the amount agreed upon in our policy. Just some paperwork from Jake's vets and in a few days the check came. At least that part was worry free. Jake still has some healing to do, but we think he will be fine.