I have two cats and both cats got sick at the same time! My male cat was in kidney failure and had to be in the hospital for several days. His bill was going to be several thousand dollars. My female cat was unable to hold food down and had to have many tests run to find out what was wrong. Both cats are doing fine now but it was expensive. Petshealth paid more than 2/3's of the expense. I am very glad to have this insurance!