We signed up for Healthy Paws when we adopted out Lhasa Apso four years ago from the Humane Society. While it is true for 4 years we paid the premium without any real benefit out of the blue she ruptured a disc in her back. What a blessing it was when we took her to emergency and they had to do an MRI ($2500) and then surgery (almost another $2500) we could just say yes and bring her back to health without worrying about the money. Everything was covered at 90% just as they said they would. It was the best investment in the health of our fur baby.