Like many people today, my finances are extremely tight. I delayed in signing up for pet ins. because of the cost & rumors that I've heard about some ins. companies only covering 'certain' claims, etc. The bottom line is the monthly cost is not that expensive considering the peace of mind it gives me & I love my dog. And the rumor that SOME insurance companies give you a hard time about certain claims, is the reason why you have to do your homework! I did, and hands down Healthy Paws Insurance has the best reputation and coverage is great. The staff, in particular Terah & Jen have been outstanding and extremely helpful in walking through the process with me.