My dog is almost two years old. I've had Healthy Paws insurance for a year. In that time my dog has been to the emergency vet 2 times (pneumonia and stomach issues) and required a procedure to remove weed seeds from his ear. Healthy Paws has covered exactly what their policy states and they have sent a reimbursement check usually within a couple of days. It has been a huge relief to know I can get care without too much worry about the cost. Totally worth it!
English Springer Spaniel