I speak from experience that Healthy-Pets insurance is not all what it seems. There are so many hidden clauses in the small print that they have you by the short and curly's at every turn...end result they have every reason under the sun NOT TO PAY YOU A BEAN!I will be cancelling my policy as soon as possible. But what a surprise you cannot cancel in the middle of a year, you must pay the full policy year out ... get this even if your pet DIES. DO NOT touch them with a barge pole. Terrible company.