If it wasn't for Healthy Paws, I don't know what I would do. We adopted a shelter dog a year ago. I've used Healthy Paws insurance multiple times throughout the year including just this past month with vet bills adding up to nearly $1000.00! Within one week of the vet visit, the Healthy Paws checks were in my mailbox. They have been extremely helpful when I've called with questions, and they follow up with emails quickly. Just a great all around service!I wish that I had insurance like this for my last dog, and I'm so thankful that I have it now. Definitely not a mistake or waste of money. Don't hesitate - pick a monthly plan that works for you and apply immediately! I have the 90% reimbursement/$100 deductible plan - at $31.95/month. It's a bargain considering what I would have had to pay out of pocket. Highly recommended!