I got pet insurance for my cat Dexter because I live in an area where there is a lot of baby rattle snakes. One day Dexter came home limping. It turned out to be a broken hip. He had to have surgery the very next day. It was $2000.00. Trupanion kept me informed at all times during the claim and I received a check in the mail within 2 to 3 weeks. Thank goodness I got pet insurance on Dexter, I never thought he would get in an accident only rattle snakes. I highly recommend Trupanion!