We got insurance just for piece of mind having had a few major surgeries without for our older dog. Lotta is a large breed Newfoundland and we were uneasy with expenses she could bring on. Smartest financial decision we've made. Lotta is the most lovable girl in the world but has come with vet bill after vet bill. Last year started with a tplo surgery, rehab including hydrotherapy and another surgery to remove the PLO hardware and more therapy. Healthy paws was quick to cover all. Just when lotta learned to run free again, she ran right to the trash and ate a corncob. 3 days of observation and eventual exploratory surgery and intestinal repair were all covered by healthy paws. Reimbursement just days after bills were sent. Our decision has become a life saver.