I have been very lucky so far with my 7 year old cat because she is very healthy. I know that can change suddenly. I got ASPCA Pet Insurance a few years ago with the idea that if something costly came up for her care I wouldn't have to decide whether or not I could afford it. I live on a fixed income. I know ASPCA Pet Insurance will be there for me based on my experience in just sending in routine bills. They are always processed promptly.