When we got our puppy, Barkley, she seemed healthy and happy but within a few months, she seemed lethargic and showed signs of sickness. After a couple of vet appointments and tests, found out her kidneys were diseased and failing (all before 5 months of age). She spent one day and night in the vet hospital and the bill for everything was around $3000. We paid about $1000 and the rest was covered. The $1000 was for the deductible and co-insurance but we had chosen a policy with a very small premium so we were happy with what we had to pay. We received compensation very quickly as well as a sympathy card. It was the most devastating time of our lives but HBC pet insurance handled everything professionally and with sympathy. Would definitely use HBC again.