I sure hope not. When we first got her, I thought to myself, with 5 adults in the house (3 need to make their way in life 

) and her being under foot all the time, I need to insure her in case she gets stepped on. So I polled the fine people here and the majority that responed suggested Petplan. I enrolled her the next day. Like most, I'm not made of money and wanted some piece of mind. She's no different than any other family member except that she gets more attention than any of the others 

. 
Don