In my case, hindsight is 20/20. If I'd known two years ago what I was headed for at the end of 2007 and all through 2008, I would have insured my cats in a heartbeat. I spent almost $6k for the older cat who had renal failure and ended up euthanized, over $3k for one kitten that I adopted who got an almost fatal infection and spent three weeks going back and forth to the vet, then almost another $3k on the other kitten who had trench mouth that took a year to clear up. I'm still trying to pay off my credit card from all of those vet bills.

Of course, now that the kittens are entering adulthood and seem to be healthy, I'm less inclined to shell out a monthly premium. It's a tough choice, because you just don't know when something's going to come up.