After a lot of research I decided to insure my cat with Healthy Paws. I've had to take my cat to the vet for minor illness and received a reimbursement check quickly. Customer Service is excellent. However, I learned the hard way...if you are already at the lowest deductible and highest reimbursement % and decide to lower your monthly premium by increasing the deductible and reducing the reimbursement you will not be able to go back to having the lowest deductible and highest reimbursement as long as you have a claim. They will let you increase the deductible and reduce the reimbursement until you are at the highest deductible and lowest reimbursement even if you have a claim...you just won't be able to go back to reducing the deductible and increasing the reimbursement.