I adopted Colt (an ex-racing Greyhound) a little over a year ago. Not having ever owned a Greyhound, I wasn't sure of what his health needs my be, not to mention any potential accidents. I decided to cover him with the ASPCA Health Insurance immediately. The rates seemed reasonable, and you never know what the future holds in health costs. Although Colt has only needed his insurance for a serious ear infection, skin irritation and high blood pressure, the insurance has paid back at least half of my expenses, and 80% after the $100 deductible was met. I am truly glad I had ASPCA Insurance when Colt needed it, and will continue to carry it for him. The montly premiums are painless as compared to being hit with huge vet bills all at once. The responses on the claims have been pretty timely as well. Over all, I am very statisfied with the ASPCA Pet Insurance.