Dealing with insurance companies for humans can be a bitter experience and I expected the same with pet insurance. Over the years, I've had lots of pets, but never had pet insurance. I was so lucky to pick Healthy Paws after research, reviews and talking with the co-owner of the company. I signed our kitty, Kato, up, about 4 years ago, and have never regretted this decision. He was a few months old, had a clean bill of health, so everything has been covered, minus office visits, shots, etc., any of the well-being things mentioned in the policy. Kato is not a big cat, and he is neutered, but he defends his territory as if he was a lion; therefore, he gets into some nasty fights. More than once, he has come home from the vets with drainage tubes, stitches, collars and medicines and I have never had a claim denied. I email the claim form in, and within 24 hours I get an email stating my claim is in process and a check is usually in my hand within 4-5 days. I have had nothing but good experience with all the folks at Healthy Paws and there are no extra costs to have coverage for cancer, etc., this is included in the premium. And you can decide what percentage you want reimbursed...this dictates your monthly cost. Make sure you understand the policy and you will avoid any misunderstandings.