Healthy paws is the best pet insurance one can have. It's never too late to get it and I'm assuring you, you will never regret it. They have always been promptly on sending our checks; we have never had a problem. It's very comforting knowing we can rely on them. I have a Basset Hound and because his long ears and his lose skin he's prone to infections, Healthy Paws has always been for him. They even send you emails checking on our pet's health, it makes us feel we are not just a file but real people who love and protect their pet. Thank you so much to all the staff at Healthy Paws.