4 years ago we lost our girl kitty to cancer. We didn't have pet insurance at the time and we were quickly out $5000. After that, I looked into pet insurance and got policies with ASPCA. They have been incredible in the times we have submitted claims. Never any issue in getting reimbursed.
Our older kitty who is approaching 17 is starting to have "old kitty" issues and it is reassuring to know that we can continue to give him high quality care without going into significant debt.
We will always have insurance and will continue to have our policies with ASPCA.