We got Healthy Paws when our boxer was about 2-3 months old. We pay about $35 a month and have not had to use it until now. She is 1 year old and had a few sets of blood work done as well as an ultrasound. We have spent around $900 in two visits alone, and within a week of submitting the claim, we received our 90% reimbursement check. They also sent us an email checking in on Sadie! Granted you pay monthly and in the end probably evens out what you are spending, but no huge hits to your bank account at any given time. Well worth it to have our dog covered!