I have six dogs insured with ASPCA. Over the past few years, I have had several claims, and all have been dealt with quickly and expediently. Due to the deductible I do not submit smaller claims. Instead, I consider this "catastrophic" insurance, in case something big and bad happens to one of my dogs. I am not pleased with all the pre-existing condition limitations, and that these stack up with each renewal. I suppose I should start shopping around. So many of us have older dogs, whom we love and cherish. I think we need a "medicare" plan for them, funded by pet health insurance companies as a group.