This is the second time this year, our terrior Ralph had surgery, first for a hernia repair and just a week ago for patellar subluxation repair. I am so pleased with Healthy Paws. After I file the claim, I got the check within a week. I have the $250 deductible and pay 20% and it works out very well. I love the personal touch I get from their nice emails checking on my pup. I believe they truly care! I was told they all used to work in a Veterinary office, but when working for Healthy Paws they have no contact with the animals and miss it. So I send pictures of my babies to them and they are very happy to get them. I would recommend them to anyone, and I do to my friends. I'm very happy with them!