I have 3 cats and initially went with a different company that made big promises to get me hooked. After a year they doubled the premiums. Did the same thing with my mom's dog. I immediately switch to Healthy Paws after doing extensive research and talking with them. They have no caps and the deductible is once a year. They are more than an insurance company. They have a foundation to help other animals in need. I cannot speak highly enough of Healthy Paws!