I nearly lost my best friend in the whole wide world 3 weeks ago. My tweenie Doxie "Lola" had a double bowel obstruction. Little did I know this 17 month pup was a goat eating large chunks of her chew toy, dried palm husk, dental floss, grass and my long hair! Multiple visits to the ER were so stressful and when they finally found the diagnosis she had to have a gastroenterostomy. Knowing that I had Healthy Paws pet insurance helped tremendously and I could focus my emotions on Lola, not the financial constraints. It's sad t0 think that people who don't have the funds would have to put their animals down. My theory on insurance is, if you have it you won't need it, but I am so glad I purchased it and grateful beyond words to this fantastic company. My claim was processed promptly in less than 2 weeks. I received no harassment, just a pleasant letter of well wishes for Lola and a welcomed check for nearly 90% of the total cost. If there is one think I can pass on to others it's take the time to get pet insurance... the $29/month is so worth it when you are faced with a $5,000 emergency visit bill.