We live on a ranch with our active three dogs. Unfortunately, when the weather warms up in April and early May, we have a problem with rattle snakes coming out of their hibernation. Each one of our dogs have been bitten and we have been lucky enough to get them medical treatment in time. The ASPCA Pet Insurance Accident Plan has been a lifesaver for us and them because the expense for this kind of treatment is at least a couple thousand dollars. Bee stings, torn nails, and stepping on sharp objects are all covered on the Level One Accident Plan, so it makes good economic sense to have this level of coverage. Thank you ASPCA for being so friendly on the phone.