I worked so hard researching insurance companies, it came down to healthy paws and another similar one. My tip for you, 15 day waiting period, actually means 16 - one day to process the sign up, then 12:01 the next day + 15 days wait period...I did not see this clearly stated anywhere that I could fine, however they tell me it is (I signed up on web not on phone). So when I made an appointment for my puppy's vaccine I did the calculation 2 weeks + 1 day. There was nothing wrong, just a well visit, so might as well walk into the vet during coverage period rather than uninsured. Well unfortunately it was major, my poor pup had a severe reaction and needed emergency medical care of $200 (thank goodness he is fine), I was grateful I had waited the 15 days. After submitting the claim I was told how the first day sign up does not count and it actually began the following day and I am not covered. I think the part that annoys me most though...they had no problem billing me on sign up day and no problem billing me that day each month, but yet it doesn't count toward the wait period. I am sure they will cover things in the future, but just be better informed than I was, it could save you a bit of money.