We have regular health insurance for our cat, who also wears a microchip for identification. Recently I've contacted his microchip co. for some reason, and they attempted to sell me emergency insurance -- they said if the pet is ever lost, it will cover any expenses between the time it's found (needing vet care) and the time they (the microchip co.) can contact us. This emergency coverage costs the same as regular health insurance (about 20 dollars/month), so if we buy this special coverage it will double our pet insurance costs. Incidentally, the microchip co. is owned by the health insurer that we are purchasing from. Has anyone been offered this type of a deal, and what was your decision? Does anyone buy pet emergency insurance? Have you ever used it? Can you describe your experience / satisfaction?