My puppy/dog Reggie had terrible anal gland problems from 9 months to 20 months. During this time he had to be expressed every 4 to 3 weeks and he developed 3 infections which required medical infusions. After the third infection, my Vet wanted to remove the glands so they did not abscess. After Reggie's surgery, Healthy Paws wrote to me inquiring about Reggie's recover. Each receipt I sent Healthy Paws was never questioned and compensation was quickly given. They never questioned my Vet's orders, like my first insurer did.(For another dog)I have told everyone I know who has a pet and is considering heath insurance, to look no further than Healthy Paws.