I bought ASPCA health insurance policies for both of my dogs. I was stunned to learn that they do not pay the full amount of the veterinary charges, but have their own "price list" of what care should cost. Then, they sell a policy with an $8000 annual insurance maximum, BUT if you read the fine print, the limit is $1500 PER illness. One of my dogs was just diagnosed with Attison's Disease, and the cost of treatment was over $3000 dollars. ASCPCA only paid 80%, and stopped paying at $1500. When I went over the claims, ASPCA has only been paying around 60% of the cost of pet care when you include their 80% coverage and their maximum price office visit and other charges. I am switching to Pets Best, which pays 100% of veterinary charges, and does not have a limit per illness.