I have come to realize that if you own a dog, you need pet insurance. This is my experience with Healthy paws. I purchased pet insurance with Healthy Paws when I adopted my five year old Mini Schnauzer. After many years of perfect health he came down with various diseases: pancreatitis, a heart condition, pneumonia, a "vascular event" which I interpret as a stroke, cataracts, and diabetes. These resulted in several multi-day stays in ICU, cataract surgery to regain his vision, and many procedures. He is on several expensive maintenance medications. I have submitted 61 claims to date via their app. All were handled expeditiously. The insurance covers his procedures and meds. I am grateful to have this insurance and woudl highly recommend it.