I ask this because I'm still paying off the $2500 on my credit card from when my last cat got sick and was in the hospital. He unfortunately passed away. Now I adopted another little girl (she's not that little 4-5 years) In your opinions, is pet insurance worth it? Will we be eligible because she's not a young kitten and I adopted her from a shelter? How does it work? (I'd like to save a little each month for a pet emergency fund but in reality, I have a hard time saving right now.)