Both of my 14 year old cats began to lose significant amounts of weight over the course of many months. Aside from the weight loss they are both doing very well. We ran a variety of bloodwork tests, x-rays, vet visits, & an ultrasound to try & figure out what was going on with them. The bills mounted, especially since we were trying to determine what was going on with both of them at the same time. It was nice to know that everything I was doing would be covered by pet insurance. The claims are easy to submit, the ASPCA Pet Insurance kept me informed on claim status, & in the end reimbursed everything that I expected them to cover less "customary & reasonable" expenses. (I received just less than $1,000 back from them). I struggled with whether or not to have pet insurance, but in the end decided that since my cats were getting older there was a higher liklihood that they were going to be diagnosed with something that could require expensive treatment or we would have to run a bunch of expensive diagnostic tests to determine what might be wrong - this is why I chose Level 2 - to help cover these types of unexpected, important, & expensive veterinary services.