We recently adopted a 2 year old Chihuahua from a Rescue Organization. I looked into pet insurance, and, based on positive reviews, I got insurance through Healthy Paws. I never expected to submit a claim within 4 months of her adoption, but we noticed that she developed a 'cherry eye'. Because the documents I had from the Rescue and from her introductory Vet visit proved that this condition was not present at the time of adoption, Healthy Paws covered their part of the cost with no problems. The Veterinary Ophthalmologist was surprised. He told us that the most well known pet insurance companies have not covered most of the surgeries he performs. Would recommend Healthy Paws to anyone looking to insure their pets.