I did not purchase pet insurance until my dog was over 5 years old and luckily she had no preexisting conditions. Two years later she developed mast cell cancers and had to have several surgeries, and still has to have scans and periodic check-ups one year later. Healthy Paws paid claims quickly and checked on her condition regularly. I have recommended Healthy Paws to many friends and am forever thankful that I had the foresight to purchase their 80% plan. I will never own a pet without purchasing insurance and would recommend it for all pet owners.