I had gotten pet insurance for my two kittens when we got them two yrs ago. About a yr in found out my tortie comet had stomatitis and needed most of her teeth pulled! It was a hard decision to make but also very pricey. The bill was 1100$ and I got back about 915$ I was elated because that $ was our er fund just incase. Getting pet insurance is the best thing ive done and have recommended many friends to get it as well. Healthy paws cares about animals and they are wonderful!