Our one year old chocolate lab Bruno was diagnosed with knee dysplasia and needed arthroscopic surgery. Fortunately ,I purchased Healthy Paws pet insurance when he was a puppy. The surgery was very expensive and Healthy Paws reimbursed a large portion of the diagnostic tests, surgery and medications. It was easy to submit bills and we had a reimbursement check from Healthy Paws within a week. I would highly recommend Healthy Paws. Bruno is now on the road to recovery.