I decided that I should get insurance on my male pup because he's a big goober. God forbid something happens and I wouldn't be able to afford the price the way things are rising. The next day I felt guilty that I didn't put him Mom on it. Being 7 I figured I couldn't afford her insurance. I checked and promptly put her on it. Thank heavens I did. She came down with pneumonia and had to go to the emergency vet. Healthy Paws was so great to work with and after getting all the information they promptly sent me a check. I'm going to recommend them to my Vet and friends. Thank you Healthy Paws!