I decided a few years ago that I was going to get insurance on any new puppy so that I would never have to worry about making life and death decisions for them based on the expense. How heartbreaking it would be to have to put a member of the familly down because the money is just not available at a time when veterinary technology can work miracles. But along with technology, comes expense. I have 2 dogs now, the oldest has not been sick so I didn't know for sure how good this insurance company was until my new dalmatian puppy suddenly became ill. She was rushed to the veterinary and was given emergency surgery for gastrointestinal blockage. She had to stay for two nights with IV. I faxed the claim to Healthy Paws and within two days had the check in my hand. I was amazed. I'm still amazed. No hassle, no stalling, and they show genuine concern that everything is alright. I have been telling everyone I know, that this is a great company. You never know until you need them, and now I know that when I need them, they are right there with help, both financially and emotionally. Great company, the best!