We read our policy very thoroughly once we received it, and felt sure we had good coverage for our dog, but didn't expect to need it within the first year. That's the nature of emergencies, isn't it? We submitted our claim and were so relieved when we had exactly the coverage we thought we had. No unpleasant surprises. Very prompt processing and reimbursement. Great communication too. Overall very satisfied with Healthy Paws and certainly would recommend.