One of my dogs tore her ACL and I got the unfortunate news that surgery was the best option for her. As scared as I was I new it was the right thing to do for her. The fact that she has Healthy Paws coverage was a godsend so I could fully concentrate on her needs and her recovery. Plus they even checked in to see how she was doing - even my health insurance doesn't check in on me when I'm sick! I highly recommend Health Paws to anyone who truly cares for their pets health.