There is no compulsion to take out pet insurance and it is for you to decide whether it is necessary. Certainly, cost may be a factor, but the average increase in the premiums for veterinary health insurance policies have gone up far less over the past few years than the equivalent policies for human health care. For a relatively small annual cost every cat owner who takes out insurance has peace of mind. If your cat has health insurance you know that everything will be done to restore them to full health and fitness if they become seriously ill or have an accident. If you are in any doubt it may help to ask a friend who has some experience of insuring their animals. Your vet or veterinary nurse will also be able to give you independent advice on the types of insurance available.