I have carried insurance for almost 7 years on my cats without ever having the need to use it and kept wondering if it was worth it. One emergency surgery, totally unexpected and I can emphatically say it is so worth it. I was blown away by the ease of filing a claim and how complete the coverage was. Thank you Trupanion. I would recommend this insurance to everyone. Insure your pets early and maintain the coverage and you will never suffer huge vet bills again.