<prompt> Human: Just for curiositys sake. I know there are some people who would swear by it. There are others who are wholly against it and would rather pay OOP for their pets care. Theres the 3rd group my mother included that would say at the first sign of the pet being a money pit to put the pet down. What are your thoughts on the idea? I do have an indoor cat and will likely be paying OOP for my cats health care costs. The quotes I have found would likely require me paying 500-600 before the plans would reimburse anything monthly cost annual deductible. For that 500-600 I could have it in a HYSA or other vehicle and pay things myself.  <response>: I can see both sides of this debate. I guess its personal preference. I dont have a cat, so I cant speak to taking care of one.With that being said, I have pet insurance for my dog and I would be screwed without it. For someone like me, whos not the best at saving, paying 25month with a 600 yearly deductible is worth it. In the last few months, my dog had what appeared to be a GI issue, so we went and got it checked out. One X-Ray, ultrasound, scope and stomach exploratory surgery later, we get hit with 5,000 in vet bills that we dont have to worry about.Im not sure I would have had that money saved independently if I didnt have pet insurance, but maybe you would. Just my two cents. In the end, its completely up to you depending on your thoughts and situation. 