I have never before had pet insurance, although I've had pets all my life. But I decided to try it out, signing up with Trupanion, and in less than 1 year, my decision literally saved my cat's life. When she began to vomit blood and retch, and x-rays showed a likely foreign object, I okayed surgery to save her. Without insurance, I don't think I could have afforded it, and I would hate to have lost her just because of money. I filed my claim and received a check within 3 weeks! Thank you, Trupanion!