We got our mini doxie when she was 1 1/2 years old learned that they tend to have back problems that often require very expensive surgery. We decided to take out pet insurance on her and chose Healthy Paws as they cover hereditary conditions. When Shelby turned around three, she began having back issues and a few weeks ago her leg seemed to be dragging. We took her to emergency and she needed surgery immediately. We could not have paid that much money if we did not have pet insurance. Healthy Paws has reimbursed us like they said they would and even sent a nice email asking how Shelby was doing on her recovery. This took alot of stress out of the situation so we could focus on Shelby and her recovery.