Our St. Bernard has had several medical events in her life thus far, but we have been able to provide her with the best care possible due to her coverage. We have had to pay for ICU, UCDavis visit, medications and recently a TPLO surgery. Our coverage also includes physical therapy and alternative medicine to give our little girl everything advantage in her healing. HP was able to provide the medical hospital direct payment so we didn't have to put out thousands of dollars. Compensation has always been timely, staff supportive and helpful. I continually recommend HP to friends with other pet insurance.