Had a puppy get hit by car, left for dead, and picked up by good samaritan. Was close to putting him down, though he is young and strong, and could tell he wanted a shot at life. ER visit for weekend, followed by day in regular vet, followed by 24/7 weeklong ER stay. As you can imagine, my bills were more than I could have imagined. Would call Healthy Paws to make sure he was covered, with their response, "take care of your dog." Some of the nicest representatives, claims were easy, filled out as I went form doctor to doctor, and was reimbursed within about 10 days. Wish I never needed insurance for an accident like this, but thank god I did, and they are great.