Peace of mind.
When I adopted 10 year old Persians, Foxie and Blackie, they came with an initial insurance policy. I found customer service very pleasant to speak with, and the filing of claims quite easy. With the array of coverage choices and reasonable deductibles to pick from, you can choose what gives you peace of mind. When either an emergency or non-emergency illness occurs, whether your pet needs minor or major medical attention, expensive tests or on-going care, a person does not have to hesitate over cost. As pets grow older, it is not the "IF", but the "WHEN" medical issues will arise. One major illness or even brief hospitalization, can easily surpass the annual premium cost. It is really peace of mind to know they are well covered.