We have 3 cats varying in age. It can be a challenge balancing health issues as a result. I've had other insurance coverage in the past that had so many loop holes that having the insurance was far worse than not having it. Knowing that coverage is established for the "unknown" with ASPCA Pet insurance is incredibly comforting. The rates are reasonable and the claim processing time excellent. I've had a series of issues over the last several years with all 3 cats and ASPCA Pet insurance handle those claims efficiently and expeditiously. No surprises. I highly recommend this insurance over others.