These are great people!! We adopted a dog and different friends recommended pet insurance. We shopped around and went through the different reviews of pet insurance companies online. Healthy Paws had great reviews so we chose this company. Of course it's a big decision to pay just another monthly premium these days ... We had the same concern. We just thought it wise since our dog was not a puppy. We could not believe it when a short while later, our dog hurt her leg. Of course we took her to emergency care. Imagine our surprise when we submitted the bill and were promptly paid by Healthy Paws!' And add to that prompt processing, the people there sent caring follow up emails to check on our dog's progress in healing What great people!! I highly recommend this company!!