I was somewhat skeptical about whether pet health insurance was "worth it," especially for 2 young, relatively healthy cats. However, when one developed a serious breathing problem, the costs of testing and medication quickly added up. I was nervous that I would have to fight to get the costs covered, but ASPCA Insurance covered a large portion of my costs. The process was quick, easy, and everyone I talked to was very helpful. It is so nice to know that I do not need to compromise on my cats' heath care because of concerns over the costs of procedures.