I'm at the vet with Holly and the tech just gave me the estimate

[obamanut2012]

5. We finally did a few years ago, too

And, if often pays us zero, but we always file. Or 12-year-old kitty had to recently have emergency surgery for a retracted tooth/teeth, which basically meant all her teeth had to be extracted. The cost of that, plus the emergency after-hours visit to our vet the day before, xrays, and then aftercare, was $3,600. That was a huge hit for us, but we charged it. If not, our furkid would have died. We figured we would get nothing, but filed anyway. We got back $2,957. $600 is a lot easier to pay off.