We have 2 cats , 1, 10 yrs old 1, 6 yrs old. Our 6 yr old Tuxedo , domestic short hair, had to have his teeth cleaned for tarter build up and 1 extraction . A couple weeks later he had bladder broblems,(Bladder Stones) and needed surgery. For around 1,600 dollar in charges for both procedures we had to pay about 450.00. You never know when you'll need Insurance.