My yellow Labrador recently had surgery to remove a hair band from his intestines. This surgery was done late on a Sunday night at the emergency vet. The surgery came to over $4000. I was nervous submitted my bills to Healthy paws since my lab has eaten many items and they have paid many bills! I was afraid we might get cancelled but I received my check promptly along with a get well note for him. I'm extremely happy with Healthy paws insurance.