We weren't sure what to expect from a pet insurance company since we had never even heard of pet insurance before we got Healthy Paws. After being insured for a almost a year now I have to say that we will always have all of our pets insured through Healthy Paws. There is no worse feeling than having to take cost into account when trying to decide the best medical course of action for your pet. Being able to tell the vet, "do whatever is best for the dog," without worrying about the money is a wonderful feeling. We pay around $35 dollars for each of our three dogs. Whether the we end up saving money in the long run or paying slightly more, I'm not sure. But we can easily make room in our budget for $100 dollars a month. Taking a 15 thousand dollar hit at one time from a vet bill, which we expect to happen at least once, would be detrimental to our finances. I cannot say enough good things about this company. They process claims within a day usually and we get the check within 2-3 days. We get emails from Healthy Paws asking about our boys after they have been sick. Do yourself a favor, if you know that you would pay any amount to save your dog, get the insurance.