At a check-up visit to the vet our little miniature pinscher was diagnosed as a hermaphrodite and would required major surgery. I called Healthy Paws and asked about coverage for "her" surgery. The Customer Service representative answered all my questions and gave me the assurance that I needed. Our little Luna had a successful surgery and within 1 week we received the reimbursement check. I definitely recommend Healthy Paws to anyone!