you think you are throwing money away each month when you see that you are paying for pet insurance. But when something major happens to your pet (and it usually does, whether it is an accident or not) the pet insurance pays for itself. ASPCA has been so helpful with my one pug who seems to always be getting sick and my other pug who just gets into everything that is toxic for dogs. We usually get 50-80 percent of the bills covered and that is extremely helpful when that includes hospital stays. they are also very easy to deal with and make the process very simple so you don't have to worry about that during the stressfulness of your sick pet.