At first we were skeptical about pet insurance, is it really neccessary? Yes!!! Being that we now have 3 dogs ranging in ages 4 months to 13 years we can see the reasoning behind it. We have our oldest dog diagnosed as diabetic and 2 younger Labs that are super mischievious. It has given us peace of mind that if something isn't quite right there is no need to wait to get them taken care of! Would you wait on your kids to the Dr's? Our 3 year old Lab became very ill at the age of 6 months and 3 trips to the vet later she is happy and healthy! Best part was knowing that after a total of $1500 we were reimbursed a good portion of that. That in itself paid for the policy. Just like "our" insurance policies there are exceptions but I would recommend ASPCA Health Insurance to anyone!