Healthy Paws is the best insurance ever. they are a hassle free organization. my goldendoodle has had two major surgerys in the last 8 months . both were thousands of dollars . the claims were submitted and the surgeon was paid the day of surgery both times. This has cost me a small fraction of what it could have been if I had not had healthy paws. The entire process was easy and they are Darling people who truly care about Animals and keeping them healthy. Never was I questioned about cost . They assumed total financial responsibility with out questions asked ! I HIGHLY suggest getting this insurance for your loved pet ..you just never know when an accident can happen ! truly the BEST!