I had to bring my Bella into the emergency vet because she ate two HUGE bars of dark chocolate that were left under the Christmas tree. Scary stuff! I knew it would be a big deal and expensive, but I also knew I had good health insurance with Healthy Paws. $100 deductible and 90% back. We paid with a credit card and a week after we uploaded the photos of the itemized receipt through the Healthy Paws app, we received a check! And then the company followed up with an email--not a form letter but a personal email asking about Bella's specific condition, which they wouldn't know unless they paid close attention to the paperwork we uploaded. It's that extra detail that makes all the difference.