We did our research before we chose Healthy Paws pet insurance. We are 100% happy with our choice. Without Healthy Paws we would of had to put our dear kitty to sleep. Healthy Paws has so many advantages since there is only an annual deductible of $100. , not per incident and they reimburse 90% for surgery, tests & hospitalization. And they will direct bill your vet right away. They are very professional and genuinely concerned about your pet. We are very pleased.