I insured my dog with Healthy Paws as soon as I adopted him 1 year ago. He was a 6 year old beagle mix that seemed very healthy, but in the last year he went through several health issues, including a persistent limp, a lipoma, a fibroma, a smal tumor in his eyelid and a fractured tooth. Healthy Paws paid for 90% of all the needed treatment, including surgery, x-rays and chiropractor treatment. And they paid promptly and with great customer service. I couldn't be more pleased with this company.