I went to my local Vet who treated my poodle. All was well for that problem, until the next day and my poodle could not get out of her bed. I carried her into the local hospital. She walked out on pain medicine and antibiotic meds. and tests to rule out diseases. Healthy Paws came thru with what I had expected no strings attached. They even emailed me to ask how she was, communicated how my claims were being processed and sent the check.