We have rescued two dogs, we don't really know either of their medical histories. Our second rescue is accident prone and well 1500 dollars later, she is doing fine. We purchased ASPCA insurance after we tried a competitor, nothing we claimed was approved thru them.
Our last visit which was pretty much a wellness check-up and booster shots- over half was reimbursed (none of which would have been covered by the other insurance plan)
Our dog is doing fine now, and the insurance at time feels like over kill. But anything can happen with our pets so we have peace of mind knowing, she is covered and we don't have to worry should something happen.