Our lab swallowed a 14" sock and became extremely sick. He had to have majoe surgery to remove the obstruction in his intestine. Total bill was $4699 and Healthy Paws covered $3509 after the $250 deductible and 80% coverage. We received the check in 3 days after the claim was submitted. This is the first time that I have purchased pet insurance. I will never be without pet insurance on any pet I have in the future.