I got Healthy Paws insurance for my current cat, Ginger. My previous cat, Shadow, didn't have insurance and I wound up having to take out a loan to pay for his health care. I knew better this time around - I'd rather make known monthly payments, and get something back, than sudden unexpected large ones. Ginger was a rescue off the street and it turns out she's 'a delicate flower'. In addition to some serious issues including surgery she's being treated for severe allergies. Thanks to Healthy Paws I can afford her immunotheraphy and medications to support the injections. I've always received my reimbursement (the actual check) within a week. Its nice that Healthy Paws checks back with you to ask how your pet is doing, too.