One of my older dogs (11) was out playing in the backyard. He was fine when he came in, that night, limping a little, and by the next day, his back legs were paralyzed. He was put to sleep two days later after discovering he'd ruptured a spinal disc. NOTHING could be done. I have insurance with ASPCA. I BORROWED money to pay the vet bill. With a $100 deductible, they are giving me a little more than 50% back - I am SO upset! It's bad ENOUGH that I lost my dog, and now I don't get most of the $$ I had to spend back? WHY bother with this insurance! When I get a puppy, I will NOT use this insurance! PLUS they are EXTREMELY slow doing the claims!