We have had our 3 cats insured since they adopted us about 3 years ago. We have had a couple of issues, one big emergency (accidental Tylenol ingestion) and one diagnosed with what will be a long term issue (Ideopathic Hypercalcemia). Vet Insurance (Trupanion) has been there for us. No issue about the number of claims made, or decision making due to cost of treatment. No questions asked, a 90% return of diagnostic treatment & prescription costs. With every claim I have submitted I receive notice of the status and very speedy return of the covered costs within a day or two. Customer service is top notch. Deciding to insure my 3 pets with Trupanion was one of the best cat care decisions I have ever made.