Don't put it off. Just get PetPlan. You never think that you need pet insurance and then one night at 11:00pm your sitting in an emergency pet hospital and you have no idea how much it's going to cost. To think about putting a beloved pet to sleep because you can't afford the treatment is just heart breaking. My cat was throwing up constantly but he was scoped and we found out it was all due to an overgrowth of bacteria. The total bill was 1500 and I was reimbursed 1300.