We are very happy we had purchased ASPCA health insurance for our Abby. At our vet’s prior recommendation we purchased the basic plan because she is only 3-1/2 and healthy and never thought we would use it. Two months after she tore her capsule around her kneecap, not a typical injury and not known to breed. I was worried that being new to the service we wouldn’t qualify, but after speaking to a representative we were happy to learn that we would recoup 80% of her surgery cost. We were thrilled! While I had some issues with the website at first, I can attest that every time I spoke with a rep, they were courteous and extremely helpful. I just don’t want to have to use them again too soon....for us, not them!