I picked Healthy Paws after extensive research a couple years ago. My cat had some very major medical issues that were costly, and I hoped to avoid such costs in the future. After two years, I have been very happy. They were reasonable about assessing preexisting conditions and have responded to claims appropriately and quickly. The monthly cost has been reasonable and very worth it for us. We appreciate the peace of mind of knowing that major issues would be covered in the future, and that we can prioritize care over cost.