If you are considering insurance for your pet, go with Healthy Paws! We enrolled when our lab was just 3 months old. Each time I have sent in a claim, large or small, I receive a friendly email and receive a check within a few days. Recently, our 18 month old lab was diagnosed with a torn ligament in her knee (very common). She needed a VERY expensive $5,000 surgery to repair her knee. After submitting the claim, we were reimbursed for 90% of the cost and received our reimbursement check in a matter of days! If I have questions, I always get a live person on the phone who is both knowledgeable and friendly! Healthy Paws is a lifesaver...BEST DECISION we made for our fur baby!