We caught her peeing on the christmas tree.. she wasn't playing like she used to. We took her into a Emergancy hospital on a weekend. We had no money. If it wasn't for Trupanion insurance we signed her up for just a month previous this entire endeavor would have costed over 700$. After our deductible we paid 200$. I'm glad we didn't have to make any hard decisions about her health! all tests came back clear and shes a happy playing kitty again. Best part is if this happens again.. shes still covered and we don't have to pay the deductible again. Also now our vet is signed up to only charge us 10% and re-imburse themselves on our behalf thru Trupanion. Very Happy.