I have two dogs that are both 8 and have been insured since they were puppies through Healthy Paws. They are healthy dogs, but one needs a daily pill for a thyroid issue and the other receives allergy shots every 6-8 weeks. Healthy Paws makes the process easy and painless. They are prompt in reimbursing for expenses and I've never had an issue with a claim not being paid. One time a claim was initially denied and I inquired and immediately received a response and a reimbursement. I pay monthly and think the rate is fair. Very satisfied with Healthy Paws.