"Disruptive" can be an overused term in investing, but if you find a company with a strong competitive advantage and a large market opportunity, a high price tag shouldn't scare you away. Many investors miss out on large gains because such stocks often look expensive, but if you hold a diversified portfolio, you shouldn't be afraid to pay up for special companies, which, by definition, are rare.In that light, here are three stocks that have high price-to-earnings ratios -- but deserve them based on their disruptive potential.Generational shifts can compensate for high valuations.