Our vet has a wellness program through another major insurer. They offer a 20% discount on their medical coverage if you have the wellness plan, so yesterday, for the first time in a few years I compared all the major plans and benefits. I was reminded of why I chose Healthy Paws in the first place. They cover so much more (hereditary, congenital, dysplasia etc.) and don't have complicated limits. Healthy Paws has NO LIMITS so if a an expensive illness occurs (cancer, diabetes, whatever), I Even though HP costs a little more total for our 7 cats, I had no choice but to stay with Healthy Paws and signed up our newest kitten withthem. I love knowing that whatever happens, we will be able to afford good care for our cats when they have a problem. They always pay quickly.
Also, my friend told me that the other insurance company (VPI) told her that after 6 months without a UTI her cat would be covered again for UTIs if she sends a letter requesting a re-evaluation of coverage. She did just that and received a response that no, they will not ever cover any UTIs. I also asked this same question when I was comparing, and told the same thing. The guy made it sound like no big deal, they do it all the time. BS. Now she is switching to Healthy Paws, too. Based on 3 years of experience with them, I know that what Healthy Paws tells me, will be what they actually do. Thanks Healthy Paws!