Healthy Paws made a horrific experience easier. My 9 month Maltipoo, 4 lbs. ,Gigi, broke her leg. She had to see an Orthopedic Surgeon and have surgery which required a metal plate and screws. Gigi is still recuperating. The bills, so far, are in excess of $6,000. Healthy Paws followed up and processed the expenses, within three days, and are paying 90% of the costs. I will not have the financial burden of those pet owners that have no pet insurance. I definitely recommend Healthy Paws for all pet owners. Accidents happen. This insurance will give you some piece of mind. Healthy Paws Customer Care Team has been checking up on Gigi's recovery. They have been wonderful.