I purchased the insurance for my 2 adopted kittens 3 years ago because I've had pets in the past that had their share of troubles and always had to foot the entire vet bill which was financially difficult. Recently one of my cats had a rather strange problem in that he ate a plastic grocery bag and it, of course, resulted in an intestinal blockage. It also happened over a holiday which required a stay at an emergency vet clinic. Having the ASPCA insurance gave me peace of mind that I could get him the care he needed to recover. I didn't get 100% back, but it certainly was worth the monthly premiums. My claim was handled quickly, and the reimbursement explanation was thorough and easy to understand. Thanks, ASPCA!