My " daughter" Luciee was a cat that never got sick at all, but after my cat Disney passed and the expenses from that I realized I need insurance. The little thing waited out the 2 weeks and then boom! Uti, stomach issues, liver issues and now feline herpes. Had I paid for all of her visits last year with nothing back I would have been in serious trouble. My highest claim was 1000.00 but I have 100.00 meds, 50.00 prescription food, recheck costs etc. from her eye doc alone. This out pays it self and I new have my other 2 cats covered because it feels good knowing I can go to the vet, pay the bill and then get 100% back minus the 50.00!