My dog, Lucy, wasn't eating or pooping, wasn't herself and we didn't know why. After taking her to the vet, they thought she had something stuck in her intestines and gave us an estimate of $3,000 for surgery to get it out. I assumed she had a tummy ache and didn't believe the vet. The only reason I didn't hesitate to do the surgery was because I knew that Healthy Paws would pay 90%. The vet turned out to be correct, my dog had a walnut stuck in her small intestine that wasn't going to come out by itself. It was so easy to submit the claim, I used the iPhone app to take a picture of the invoice, they sent me email confirmations when they received it and processed it. I got the reimbursement check in the mail within 3-5 days. I was amazed how much better Healthy Paws is compared to VPI (I used VPI in the past and only got 50% of a surgery and it took weeks to get a reimbursement check from them). Healthy Paws is worth it.