I have 3 policies for my three dogs and have had them for 4+ years (depending on when I rescued each dog). My older dog developed Cushing's Disease about 8 months ago and the medical bills have been very high. ASPCA pet insurance has reimbursed me as promised and it has helped me so much to care for Missy. I never have to compromise my decisions regarding her care because of money. I am confident that 80% of allowable charges will be reimbursed (after the deductible)and that helps so much. My second dog has had some joint issues, a UTI and a skin infection. Again, what was promised in the policy (Level 2) was reimbursed. I have not had to use my policy yet for my newest rescue, but I am sure I will at some point in time. I would NEVER be without this insurance.