My "baby" is 7 years old and generally in good health. We purchased ASPCA Pet Insurance for peace of mind. In a 6 month period we had to have her treated for an abscess, followed by a fungal skin infection, followed by an ear infection. We had to take her to an Emergency Animal Hospital for the abscess on a weekend so was costly. Fortunately, the ASPCA insurance covered a good portion of her bills. With this insurance I don't have to think about the cost first - I can just take her right away to have her treated. Filing claims and reimbursement are fast and easy. I wouldn't be without this insurance for my "baby".