When we adopted Mabel, I was really hesitant about paying for insurance for her; especially since money was tight and she was a healthy little pup. But, with all the health problems my other dogs had faced, I decided to try it and see how it went. I can tell you it was one of the best decisions I ever made in regards to Mabel's care! When she dislocated her knee cap and the vet told me the price of the surgery to repair it, I was so relieved to know that Healthy Paws would cover 90% of it (based on my policy). If we didn't have the insurance, I am not sure what we would have done. We didn't have the money or credit to pay for such a surgery on our own. This was my first claim after being a policy holder for over a year and I couldn't have been more impressed. Healthy Paws not only provided peace of mind, but the quick processing time of my claim and the excellent service made me even more positive we made the right decision with the right insurance company.