HP has literally saved my boys life. Biggie was a very sick puppy and after many test and vet visits (all covered by HP) he was diagnosed with IBD. Through all the ups and downs HP has been the one thing I can count on and knowing I can take care of my boy and give him he care he needs is priceless. They covered ALL his testing, treatments, overnights, medications, speciality testing - all of it. Claims are so easy to submit via their app and they pay out via direct deposit without 24 hours of finalizing their claim. We love them. I am so happy I took the advice to get HP when he was a puppy.