A few years back, I lost one of my kitties to kidney disease. It made me realize how much good veterinary care is out there today, but also how expensive it can be. I know that I could never make a treatment decision based on cost, so I decided to look for a plan that would cover the big stuff. My cats now have a high deductible plan that covers up to $10,000 in treatment. Because they have $1000 deductible, the premium is quite reasonable. I cover the routine stuff out of pocket, but have protection in case something serious happens. This year, my 12 y/0 kitty was losing weight. In order to determine what was wrong, he needed some rather expensive testing (ultrasounds, etc). I was able to turn in his bills in excees of $1000 and was promptly reimbursed 80%. The claims rep kept me updated on the status of each bill until it was paid.