This is the first time I have had pet insurance. I got it since I knew that I would pay anything for my pets if needed and I would rather be safe than loose a ton of money. Healthy paws allows me to pay a low fee every month ($20) to cover any accidents or injuries and they have stood by their word. I wasn't sure what to expect but after my kitten hurt her knee they refunded me exactly what I had signed up for in a very fast manner. I am very happy with their service and I will be adding future pets to this insurance and also recommending my friends.