We all know how expensive medical bills can be if we don't carry insurance. I've never had pet insurance before but always knew it is something every pet owner should'nt be without. After having to go to the Vet a few times and paying the enormous bill, I figured it was time to look into this. Due to the age of my Boston Terrier (12), ASPCA was the only provider that had reasonable rates. As a matter of fact, other providers wouldn't even accept her because of her age even though she has never had any serious illness or accident. However, now that she is getting up there in age, I fugure something serious will eventually happen. About 4 months after I got the insurance she had a shoulder injury, The claim process was very simple and quick. Even though I carry the higest coverage with the highest deductible, that one visit took care of that deductible. Now, if she has to be seen again this year, I have "peace of mind knowing it's there when I need it" and, 90% of any furture bill will be covered.