So, I'm weighing my pet insurance options and I need to make a decision quickly, so as to get covered while Bella is still young and healthy. I have read info about the pros/cons of different companies. Right now, I'm deciding between Healthy Paws and TruPanion. I'm leaning toward Healthy Paws, but they require a 12-month waiting period for hip-displaysia. That is concerning, but is hip-displaysia something that normally occurs in older dogs? Is there a great risk of Bella getting it during her first year?