My dog is missing a hip on one leg, and the alignment in his other leg was so bad, that he needed reconstructive surgery on his tibia. With every x-ray visit, consultative appointments with specialists, skin allergies, and more...Healthy Paws has been awesome. He is a needy dog, and Healthy Paws has never penalized us for his unlucky situation. They have not increased my rates because of the type or amount of my claims. When you call you always get a Happy, Helpful person -- and you are back to your day. You can submit claims via the App which is SUPER easy! I have absolutely NO complaints about Healthy Paws. Added bonus? They have an overall cause which is to help animals in need, specifically ones without homes/medical care! Regardless, my dog would have gotten the surgeries he needed, but Healthy Paws truly allowed me to get the best medical care, with coverage up to 90%. Now my dog is going to have a longer, healthier and happier life. Just the peace of mind is worth it. Healthy Paws is a 10!