My little guy has had smooth sailing for the first 7 years of his life but the last three months in 2013 have been three surgeries! He tore one ACL, then a month later the other ACL, and then we found bladder stones that were too big and thorny that had to be surgically removed. We never would have been able to do this without the coverage that we have with ASPCA. I highly recommend that everyone get pet insurance for their four legged family members. It truly is a life saver!