I decided to get insurance for my 1.5 yr old buddy Shiloh after witnessing a few fights at the dog park. As luck would have it, about a month after I got the insurance Shiloh got VERY sick. It was a whole month affair, because it took many specialists and exams to figure out what was wrong. Turns out he had something like a stick fragment lodged in his cheek. After lots of blood tests and medicine and tests, he ended up having surgery, and I ended up with a $4,000 bill for everything they did in 2 days at the hospital. Healthy Paws gave me $3800 back, covering everything but the consultations themselves. They even emailed me a week later to check in on Shiloh! I officially swear by Healthy Paws