This was my daughter's first cat. We did not know he was that old and shelter did not report any health problems nor any were apparent. I got insurance for her cat as she could not afford one. When she came to stay for a few months we went for health check 6 months after I started paying for pet insurance. We found out that her cat is over 8-10 years old and had ear infection, osteoarthritis and needed dental surgery. Surgery alone was over 800 $ plus several visits for ear infection. However, expected payback from insurance is 71$ because of lack of medical history... Cat was left on doorsteps of shelter with no history. I want to cancel insurance as it was waste of money.