Any suggestions for a good health insurance company for my cat?

I have been doing alot of research and I am having trouble picking the right health insurance company. I want to insure my cat Cindy who I had adopted 1 year ago from the ASPCA shelter. She is about 3 years old. I have read many reviews from customers of the insurance companies and it seems like many of them deny claims for many things stating they were "preexistent" without any proof . (They dont cover pre-existent conditions)So to me it seems like they can deny any claim and state it was pre existent. I am just looking for a reliable company that I know will not take advantage of the fact that I dont really have too much medical history of Cindy because she was adopted and try telling me that something was pre existent. From reading all these reviews I have been seeing that you have to go to the vet get the medical work done and than file your claim and pray to god they accept it and if they feel like denying they will with their lame exuse. And these upset customers have to wait for the claims sometimes for several months while they still have to pay for their monthly premium to find out 4 months later they are declined. I dont want this to happen to me. So if anyone knows what I am talking about and can reccomend an insurer to me that has a reasonable polocy (unlike this kind) than please let me know.