Below is an instruction that describes a task. Write a response that appropriately completes the request in English. Please answer in English.

### Instruction:
Tom's cat needs an expensive surgery.  He has had pet insurance for 24 months that cost $20 per month.  The procedure cost $5000 but the insurance covers all but 20% of this.  How much money did he save by having insurance?

### Response:
He pays 24*20=$<<24*20=480>>480 per year for insurance
With insurance he pays 5000*.2=$<<5000*.2=1000>>1000 for the procedure
So he paid 480+1000=$<<480+1000=1480>>1480
So he saved 5000-1480=$<<5000-1480=3520>>3520
#### 3520