I need to have the chip put in my Squeak, we got her before the shelter started that. When we adopted Bernie the shelter did it. Both my cats are indoors but like you said accidents can happen (though we pray they don't)! Neither of my cats wear tags which is why I want to get the chip done. If for some reason my kitties do get out & someone takes them to the shelter they can scan for the chip & locate me! I think it's better safe then sorry!