I got this insurance AFTER my 60lb Lab-mix broke his front leg (compound fracture, needed a titanium plate and cost me over $10K!!) I only wish I'd had this insurance before. The coverage is AMAZING. My dog just tore his CCL and needed TPLO surgery (another chunk of change at over $5K...just 7 months after the broken leg.) Healthy Paws covered the TPLO surgery with no issues since it wasn't pre-existing. I LOVE THIS PET INSURANCE. My only regret is not getting it sooner. I recommend it to everyone I know - even people who don't ask. The claims process is really easy - you can upload pics from your phone into the app. It takes 2 seconds.