I adopted a stray cat at the end of December who was around a year old. I purchased a policy from Healthy Paws in January and thank God I did. Towards the end of February she stopped eating and became jaundiced. It turned out that she had a blocked bile duct that required surgery. Needless to say the vet bills were enormous, but Healthy Paws paid out on my claims within a week, and emailed to see how my little girl was doing afterwards!