My 1 1/2 year old Ragdoll suddenly began to have a terrible hacking cough. Diagnosis and treatment involved X-Rays and then Sedation X-rays, two medications and a cost of over $500. Having had a bad experience a number of years back with a very well known pet insurer, where none of my dogs illnesses seemed to be in a covered "category", I chose Healthy Paws because their plans seemed upfront and easy to understand. They did not disappoint. Promptly received reimbursement on my claims, minus the office visit and deductible, exactly as their plan was described. Had a question for customer service and they could not have been nicer. Healthy Paws is giving a wonderful gift to pet parents, peace of mind!