My dog has been sick and hurt a lot! She tore her ACL at 18 months then her meniscus a year later. She ate things she shouldn't have and needed xrays and treatment. She had a broken tail and hot spots. She is really the bad-news bear. Healthy Paws covered everything, including surgery with a top-flight Midtown Manhattan doctor, never quibbling or giving me any problem, and they always paid the provider directly or paid before my credit card bill was due, which was very nice. When I was out of state with my dog, that didn't create any problem at all, even when my dog was sick one week in NY and the next week had something completely different in Pennsylvania. This money is the best I ever spent. The app works perfectly. I wholeheartedly endorse this pet insurance.