My (almost 11 year old), yorkie named Nyla was really sick a couple of weeks ago. She was vomiting, and very lethargic apparently due to an enlarged liver. An ER visit and overnight hospitalization later, she's back to normal. The bill? Over $1500!!! Now, this would have probably bankrupt me but thanks to Healthy Paws, after the $250 deductible, EVERYTHING ELSE was covered at 90%. So I ended up paying a couple of hundred dollars as opposed to >$1500. If you're thinking about insurance GO WITH HEALTHY PAWS. Customer service was great too which matters when you're going through such a difficult time.