I am so happy that I decided to purchase Healthy Paws pet insurance. My 2 1/2 year old chocolate Labrador Retriever Bosco just required major surgery on his knee. The $2,880 surgery only cost me $288. His medications are also covered. My claim was submitted Thursday morning and was settled by Thursday afternoon. I didn't expect it to be settled so quickly. I also received a follow up email from Healthy Paws checking on the health of my dog. If I had to pay the full amount of the surgery on my own, it would have been a major financial hardship for me. I will define keep this insurance for the life of my dog.