I want to commend this insurance company for abiding by their word. We paid for 6 months and boom, our girl herniated a disc, how we aren't even sure. She went in for an MRI and then back surgery. Total bill was around $7k. The vet filed our claim for us and within 2 days my claim was approved at 90% payment, with us paying $100 deductible and 10%. I am so glad I signed up for the most comprehensive plan. We are beyond pleased with this company and I rarely leave reviews. Thank you Healthy Paws.