After a year on the ASPCA insurance, I received a letter out of the blue (no prior claims) saying the insurance was terminated as of a certain date (about 60 days). Thinking I'd better find out if my dog was ok, I took him in for a physical even though it had been less than 6 months after his last checkup. As it turned out, he had an impacted tooth which had to come out. While in surgery, they discovered another impacted tooth and they removed that one also. ASPCA refused to pay one cent of the bill saying it was a pre-existing condition. There was no sign the teeth were impacted as of his previous exam. All in all, a bad insurance experience. I'd look for another company.