I have nothing but good things to say about Healthy Paws! My 11 month old puppy had to get surgery for a Stage 3 medial patellar luxation and my husband and I were so worried about the costs. We submitted the claim to Healthy Paws and they approved our claim in 3 days! The covered everything associated with her disgnosis, including blood work, X rays, surgery, post op medications and inflatable recovery collar! I was so impressed by them. I called them after the surgery because my puppy wouldn't take her meds and they said they would cover her meds if we took them to a compounding pharmacy to improve the flavor. They are absolutely amazing! A few days after her surgery, I received an email from Healthy Paws asking how my puppy was doing and to wish her a speedy recovery. You can tell that everyone working for this company really cares about animals. We even received our check from Healthy Paws a week after the claim was approved! I am so incredibly happy we bought this insurance for our puppy. I recommend it to everyone I know how has a dog they love.