Our five year old Australian Shepherd had to have x-rays for a knee injury and although she didn't require surgery for her knee, it was discovered while looking at her x-rays that she had bladder stones. She had surgery to remove them and is recovering well. It was very stressful, but it was an immense relief to know that most of her medical bills would be covered by Healthy Paws Pet Insurance. Never having used it before I wasn't sure what our experience would be. We were surprised by the ease of filing claims and impressed with the level of care and professionalism provided by Healthy Paw representatives. I highly recommend Healthy Paws Pet Insurance for anyone considering pet insurance.