Another Healthy Paws insured here. I would NEVER have an uninsured dog. Sure, it is $40 per month that I can use but it is priceless coverage for my girl which is far more important. I am still crawling out from over $30,000 in health related costs for my Aquitaine over the past few years. She was insured and my old company was great. NYC is just insanely expensive. Without the insurance that would have been far worse. I saw too many people go into the ER and realize they couldn't even get their dog in to see the vet because of the intake charge. My heart broke for each of them! Insurance and Care Credit became my best friends!