I am so thankful to have had Healthy Paws pet insurance for our young Golden Retriever, who at 11 months was diagnosed with elbow dysplasia and required surgery. Healthy Paws paid our claim for the elbow surgery without any problems. I do not know how we would have been able to afford the over $6000 surgery without Healthy Paws insurance. Not only did they cover this condition (which most companies will not, because some consider it a genetic condition), but they make the claims process incredibly easy. I simply upload a JPEG of the invoice, and they send a reimbursement check. I have recommended Healthy Paws to everyone I know with a pet! Thank you Healthy Paws!