For just under $30 per month I get the piece of mind knowing that my husband & I can get generous compensation for any medical emergencies that might come up. With my cat, she is living with mild renal failure and our first appointment to diagnose that cost a lot of money. With ASPCA, we got about 80% of that back. We would have gotten more, but our vet charges a little bit over ASPCA's accepted charges. But it's better than nothing and is worth the peace of mind.