A little over a year and a half ago, I lost my 19 year-old cat. While I loved her desperately & still miss her, she cost me a fortune in her later years as she slowly developed kidney failure. After she died, I adopted a two-year-old Orange tabby from the shelter. In spite of the fact that he was young and healthy, I decided that I was going to buy pet insurance just in case he did get sick. I settled on PetPlan and paid $135 for the year. Well, now he has heart worm & a mean case of asthma with two really bad episodes of respiratory distress. His care has cost me close to $2000. But after a $200 deductible, I have gotten 80% of that money back. That is a life saver for me on a financial level but also for my cat on a physical level because I know we can go on treating him in hopes that one day he will be well again. Thanks PetPlan. You are the best!