I have experienced a couple other insurances for our family dog and there was too much fine print that excluded just about everything, making the monthly payment worthless. Our vet suggested ASPCA, so I researched it and spoke to a representative. It was what I was looking for - a real health insurance policy for our dog. I chose 80% coverage and they have always come through, even for the yearly physical. When I receive my refund checks I put the cash in an envelope and save it as our pet's health care account. That has saved us many times from going into the family budget with unexpected visits. I love working with ASPCA and I feel that the cost is worth every penny because they cover much more than any other previous pet insurance I have had.