When I bought coverage for my Havanese puppy I knew that Healthy Paws did not cover regular exams, vaccinations, etc. It is meant to cover catastrophic situations, yes. After almost a year of coverage I submitted a claim, and found, to my surprise, that no vet exam is covered at all. This is not stated clearly. After all, a dog who has been hit by a car or who is vomiting blood still has to be diagnosed, and thus must be seen by a vet. Not covering that part of the emergency treatment means that my deductible goes up from $100 to about $160. Now my premiums are set to go up from $38 to $45, as well. Really, pretending every vet exam is of equal relevance is a deceptive policy.