I have it through ASPCA and it’s been a god send. Not having to worry about any tests or procedures, just being able to say “yes! What ever she needs, do it!!” My kitty had some pretty serious health issues, so I really used it.

$10k per year for $70 a month, plus all the preventative stuff like dental cleanings and shots.
I pay full cost and they reimburse 90%. I haven’t had any claims rejected; rx food, labs, meds, eye doctor, fucking cat acupuncturist.

I can’t imagine the heart break of having to just put your beloved down because of the cost of life saving procedures.