I have 24 Hour pet insurance. My cat developed an infected lesion under his tongue and could not eat or drink. I took him to the vet and they said he needed around the clock care which they were not equipped to provide. The Vet sent me to the University of Minnesota Veterinary Clinic and over a week’s time they save my cat. 24 Hour Pet insurance paid their share of his really large bill with no hassle at all. I have them to thank for making it possible to save my buddies life.