I've had ASPA pet insurance for 3 years and swear by it. My boxer is very prone to getting himself hurt and sick. I got my dog in college and would have been completely broke without it. When my dog got heartworm the heartworm preventive provider said they wouldn't help us pay for the expensive treatment. Thankfully our Level 3 APSCA coverage helped us pay for most of it with no problem or questions asked.