@jennifer1990 That’s how all insurance works otherwise companies wouldn’t stay in business. But for the vast majority of people, it’s much easier to afford a $35+ bill monthly than a $5k emergency bill. Ideally, you would never need to use your pet insurance but nobody knows what’s going to happen in the future. My parents had a perfectly healthy puppy who snapped her leg in a freak accident and it was almost $7k when all was said and done. Luckily they could cover it but most people wouldn’t be able to comfortably cover a bill like that (or be able to cover it at all). Hence, insurance.