I would recommend ASPCA pet insurance to anyone. It covers exactly what it states (80% after meeting the an annual deductible of $100), and reimbursement is prompt. As a pet owner, you have a responsibility to provide for your companion animal. Many people forgo medical treatment or even regular checkups because of fear of the high costs. With pet insurance, you are covered for most of the cost and it allows you to prolong the life and overall health of your friend. In my case, my dog had cancer (hemangiosarcoma). This was one of the most terrible times in my life; but would have been much, much worse if I wasn't able to give him a chance with surgery because of monetary reasons. Having insurance allowed me to give him the shot he deserved and not be left with tons of medical bills. In the end, the cancer was too much for him to overcome, but at least we tried and for that reason I am not left with any regrets that I would have had if I simply put him down just because the prognosis was extremely poor.