You never expect to use insurance, but when your pet is in distress - you need care options. With the extensive procedures that two of my dogs have gone through, I have not been gouged with higher premiums or threat of being dropped. One dog was in the ICU for 2 weeks fighting tetanus - $30k. I couldn't put that on a credit card for reimbursement. Healthy Paws worked with the University for direct payment. Maintenance care for chiropractic alignment and other therapies are covered, and what a noticeable difference it makes for him being a tripawed. I could speak volumes about the people at Healthy Paws - the way they assist you, process claims quickly and send your pet get well cards. I only wish my health insurance was as good and non-complicated as my pets insurance is. If I could find a vet to treat me, maybe I could switch over :) I wish they had information handouts to pass out to others.