I subscribed to Healthy Paws pet insurance when my puppy was ~12 weeks old. I wanted to make sure that if she ever got a severe/random disease like cancer that I wouldn't have to think about whether or not I could afford treatment. When my dog was about 2 years old, she started getting really bad environmental allergies which has led to constant ear infections, UTIs, skin problems, scratching, etc. in addition to monthly Cytopoint injections ($100 each!!). Healthy Paws has been extremely easy to work with and usually completes claims and reimburses us within 1-2 days of submission. We are now trying out immunotherapy on our dog to actually treat her allergies, and I don't think we'd even be able to consider that if we didn't have coverage through Healthy Paws. I would recommend Healthy Paws to all dog owners and I would just recommend getting it as early as possible to avoid having pre-existing conditions that might deny coverage!