I have had a very good experience with ASPCA health insurance since I started purchasing it three years ago. For years I had only cats and didn't bother with insurance - and indeed, it would not have been cost effective. But then I got a dog and boy, am I glad I have insurance! I'm thankful that it doesn't pay for itself some years, but other years are different: a cut paw here, ingesting something bad there, it adds up. And the claims process is very simple and quick, with complete and clear explanations of the amounts. Why can't human health insurers do the same?