Why do Pets Get Health Insurance? Maybe they live dangerous lives?

You'll all agree that, today, pets are becoming more like humans.
Pets get insurance, go see doctors on a regular basis, eat out, get
gifts, clothing, etc.

http://www.igman.com/misc/Why-Do-Pets-Get-Pet-Health-Insurance

Well, based on this image here, it seems that they are also picking up
on some 'not so desirable' qualities of the human race.  I am sure
that whoever this cat is targeting will indeed need 'pet insurance'
very soon.