I have never had pet insurance before. I do now and I am very Happy that I choose Healthy paws. My Springer Spaniel was Diagnosed with CKD and if it wasn't for the compassion & generosity of his Dr. He wouldn't have made it as long as he did he was 8 1/2. needless to say my Tibetian Terrier was devastated so I was taking him to his Dr.every day for 3 weeks to have llunch, a talk & a walk because he hated me. I got "APOLLO" an Aussie & another dog smarter than me. I Bought "HEALTHY PAWS INSURANCE" hoping I would never have to use it. Well I did & they were great!!!! My friend left #180 of concrete mix on my back porch I asked him to put it in the garage he said it would be fine,6 days later Apollo decided to open the bottom bag @ 11 p.m. so I rushed him to the emergency vet. payed the bill forgetting I bought insurance. My dog is doing great & my wallet has a few more dollars in it. Thank You to Apollo's Dr. & Healthy Paws insurance.