II just had the best experience with Healthy Paws Insurance. I have had it for 3 years. My deductible is $250 and I pay $40 a month, my dog is almost 9. He was just diagnosed with a tumor, had to have his anal glands removed and a biopsy. Turns out it is cancer. Healthy Paws pays 80% after the $250 and there is no cap for treatment. The surgery was $1800 and they have already sent me the check!, so basically I just got back all of the premiums I have paid so far. So easy to use, they have a phone app and I just take a photo of the receipt and that's it. I can go anywhere I want! Amazing! I cannot explain the peace of mind I have that my precious Murphy is covered and I can provide him with the best treatment.