I've just recently put my cats on pet insurance. I'm currently using the VPI that NoahsMommy talked about. I've filed a couple of claims with Sunny but haven't heard anything yet. Storm and Sunny are on the VPI Standard Plan with Routine Care Coverage and right now Cirrus is on another plan which is free for 2 months. I decided that it was time to insure them because I'm still trying to pay off my RB Pepper's bill. It's so hard to pay a bill for an animal that is no longer with you.