After much research we recently chose Healthy Paws for our two new kittens, Cagney and Lacey. They are approx 6 mos now and we have just had them for 2 mos when Cagney woke up one morning 2 weeks ago very lethargic and hardly able to open her eyes. We were so worried it could be the worse, knowing that kitties can deteriorate so quickly. Our vet did a bunch of tests; gave her injectable antibiotics, and hydrated her. Turned out to be bacterial microplasma. She is still on her meds and vastly improving. This bill was $1000 and Healthy Paws is paying $753, which is 90% of bill after deducting the physical exam fee and our deductible. This company could not have been better. When I called the first day we took Cagney to the vet, the person actually asked me how she was doing as she walked me through what I needed to do for a first claim. True to their word we received the email yesterday stating what they were paying, well within the 7-10 days for a first claim. The email even asks how Cagney is doing. You don't get much better than this: great coverage and nice, caring and supportive people!!!! Just wish we could afford it for our two older cats now 15 and 17!