When I adopted Ming, my kitty, from the Humane Society 4 years ago he came with the benefits of a free month trial of pet insurance (24PetWatch). Before the trial expired I decided it would be worth it to keep the insurance and I am so very glad I did. It has more than paid for the premiums. As a kitten Ming swallowed a silk ribbon and had an intestinal blockage that sent him for an overnight at the Vet hospital. Insurance covered 80% of his bill after deductible. Recently he was hospitalized with a blocked urethra and ran up quite a sum at the emergency clinic. Again 24PetWatch came through with payment which helped tremendously. Whenever I have had a question while filing a claim the agent on the phone has been very helpful and reassuring. I highly recommend this pet insurance. I am very grateful for the coverage.