Overall we are very happy with ASPCA pet insurance, although the premium does tend to go up year on year (what doesn't?) we have still found it to be beneficial and worthwhile, especially in cases of emergency. It gives us peace of mind to know that if something were to happen to our beloved French Bulldog that we can take her straight to the vets without worrying about cost. There is an annual deductible but after that costs are covered. The claim process is easy and efficient and we are always reimbursed in a timely fashion.