We had three big dogs for many years (yes, three!) but never had pet insurance until one of our dogs was diagnosed with a spleen mass. A year after her spleen was removed she was diagnosed with bone cancer and underwent treatment. The mounting pile of bills for her medical visits made an already stressful situation even worse - but it was also the reason we decided to get pet insurance for the rest of the furry family. We chose ASPCA because they accepted older animals (up to 10 years) and their rates were great. We stayed with ASPCA because they have steadfastly and fairly supported us through multiple incidents with our dogs. A couple of our recent claims include 2 lbs. of raw pizza dough stolen off the counter by our Weimaraner Jack, who had to spend the night in intensive care, and a diagnosis of advanced heart disease in our recently adopted terrier mix, Tessa. Our monthly premiums are tiny compared to the money we've saved by using ASPCA; in fact our claims exceed our premiums every year so it's like having a savings account for pet health. Claims are very easy to submit; we just scan and email our forms to their claims address. When we have to contact ASPCA for any reason the people on the other end are patient, professional, and just plain nice. It's a great company and I recommend it to all of our friends.