It’s a fact: pets are expensive. According to the American Pet Products Association (APPA), it is estimated that pet owners will spend $72 billion on their pets in 2018. That number includes expenses such as food, medication, supplies, and veterinary care—and if your pet is insured, you could get a significant portion of those out-of-pocket costs covered.

Have you ever encountered a “chatty” kitty? One who meowed at every opportunity (and then some)? Or maybe you’ve had the experience of a kitty who was mostly quiet, but then something happened and he became extremely “meowy.”