We had two major surgeries for our pets, one for our dog, and one for our cat. The dog has to undergo multiple surgeries for a genetic condition that'll allow the knee to come out of its socket. The total bill was over $4000 and was paid out without an issue. The cat had a freak accident that ran our bill into the mid 3000 dollar range. Healthy Paws covered it all without question. They are courteous, professional and awesome with following-up on your pet's condition. HIGHLY RECOMMENDED!