My best friend got Trupanion for her cat after I told her about the benefits of pet health insurance. It's literally paid off for her. Her cat had 2 trips to the emergency animal hospital, one which required surgery. Trupanion was good to its word: paid 90% of the bills excluding examination fees. My friend chose not to have a deductible so that helped,too. Without Trupanion, my friend would have had to have her cat euthanized because of the emerg. vet. costs. I also have Trupanion for my dog. She has a monthly Rx expense and Trupanion pays 90% of it. I, too chose a $0.00 deductible. I would never have another pet without getting it covered by Trupanion.