I'm originally from the UK, where pet insurance happens to be very common. I asked around about pet insurance here a few years ago when I got my then kitten, Mila. I was told there wasn't any by so many people I nearly gave up until I saw a flyer for ASPCA insurance, and the rates looked good. Since then, it's saved my cat's life once (a nasty car accident that left him with a broken pelvis and a collapsed lung), and helped cure him from Lyme disease and a gastric problem. The claims forms are easy and the reply is prompt. I'd definitely recommend it, I think it's well worth it.