My dog had a life-threatening emergency which required surgery and a 3-day hospitalization. Fortunately we were able to recognize his symptoms and get him quickly to an excellent emergency veterinary hospital. We were also fortunate to have Healthy Paws pet insurance so we could feel assured that the cost of his care would not unduly burden us. Our claim was processed literally within hours of our submitting it, and today I received a check for 90% of our bill, minus the deductible. Getting this insurance when he was a puppy was one of our best decisions ever!