We have had coverage for nearly three years now and I never thought we would need to use it. Unfortunately our Labradoodle, Briggs was diagnosed with Addison's disease in June 2012. From the diagnostic tests to continuing treatment, our plan has reimbursed a majority of the extensive costs. Thankfully Addison's is manageable and ASPCA is becoming more user friendly with online claim submissions and the option to have the reimbursement deposited directly into your bank account. I highly recommend everyone get insurance for their pet!