I have four pets - i decided to insure one as a test of the insurance program itself. The insurance terms were clear; i thought if i ever needed to file for it, i would know whether the plan was worth the investment as compared to just paying vet bills if/when they arose. turned out the pet i insured needed a lot of tests. ASPCA paid just as the contract said, and they paid quickly, over $500.
I immediately enrolled the other three. it is worth it to me to know that i need never delay or dread a vet visit.
i'm totally convinced of the value.