My dog recently became very sick after he inhaled a fox tail. He quickly required a high level of care including intensive diagnostic test such as x rays, ultrasounds, bronchoscopy and CT scan. He eventually needed a big sugery to remove his entire left lung and a week in the doggy hospital. I called healthy paws and they told me that everything was covered. They overnighted me a check for $10k the day he was released. They also called and emailed me the next day to check on him. They are amazing. Highly recommend them. I have them for both of my dogs.