Consumer Advocate is an independent review organization, who ranked Healthy Paws, the #1 pet insurance company for 2016. Having pet insurance is a must, nowadays. It wasn't available years ago when we adopted our first dogs; and had it been, we literally could have saved thousands of dollars on vet bills. You never know when an accident or emergency could happen; and no one would want lack of funds to keep them from obtaining the necessary care for their pet. Check into it, you'll be glad you did.