My 4 1/2 month old puppy Billy had diahrrea, and I took him to the vet assuming there was a simple cause like intestinal worms. When the fecal test came back negative, the vet did an X-ray and saw that he had eaten a sewing needle. He needed emergency surgery that day. The vet gave me an estimate of $1500 but the total ended up at almost $2800 because of damage to his intestine. I was so scared for Billy to undergo such a major surgery at such a young age. Also, I didn't have the money and had to take out a loan. Healthy Paws paid me back exactly what my plan dictated - 90% of the bill - promptly. And they checked in to make sure he was doing ok. I literally don't know what I would have done without Healthy Paws- and luckily, I don't have to find out!THANK YOU HEALTHY PAWS!