When we got our puppy a friend told us to GET INSURANCE!!! She had done a lot of research and found that Healthy Paws had the best plans. So, we signed up before we even brought Dude (our F1B Labradoodle) home. In addition to the fact that the plan has more than paid for itself, the claim process is super easy and very fast. We email in our claims and have payment within the week. And, they always send us a follow up email asking how Dude is doing.