We got our cat and dog pet insurance through Healthy Paws hoping we would never have to use it (so much so that I forgot we had even purchased it until we needed it). I signed them up after a coworker had a scare with his chihuahua that ended up being undiagnoseable (he's fine tho) and also a few thousand dollars. A few months after this incident we noticed a shadow in our cat's eye. She's a short hair exotic (like a short haired Persian) so her eyes are like 40% of her face and the shadow wasn't hard to miss. We caught is early but she had to have surgery on her cornea. Sitting in the doctor's office we were ready to sign up for the most proactive treatment (which ended up being surgery) without thinking of cost. I cannot tell you how comforting it was to know that we could make the best decision for our cat and her quality of life WITHOUT having to consider how much each treatment cost. Honestly. We would have paid the couple of thousands of dollars for her treatment because we adore her and love her and want her to be happy and healthy. But with Healthy Paws by our side, we didn't have to shoulder that financial burden alone. They were quick with reimbursement and even sent and email to check in on our cat's progress and recovery. The things they don't cover I honestly think of as costs being built into the cost of caring for a cat or a dog or both. Things like vet bills, vaccinations, dental cleanings. But things you may not budget for (or cannot budget for) like accidents and disease come at such a high cost that the monthly premium for Healthy Paws was worth that piece of mind. I have been recommending Healthy Paws to all of my friends and family since our cat had surgery. They truly have been wonderful.