Health Paws is a lifesaver. I have two pets covered by my policy. Both have had claims for surgeries and illnesses. Most recently, my Doberman Pinscher was bitten by a rattlesnake. Treatment is quite expensive. I had a check in hand for the covered amount within the week. Believe me the policy has more than paid for itself. Having a previous history with other pets with out insurance, do yourself a favor and get insurance.It's not if you will need it, but when you will need it and Healthy Paws has been excellent.