This is our first experience with pet health insurance. Ourpuppy ingested some carpet fibers that got lodged in her intestines. We had to take her to the emergency Hospital, which is much more expensive than our regular vet. (Of course, she showed symptoms on a holiday.) Luckily, she did not need surgery, but the bill was very expensive. The claim was submitted, and within a month we were reimbursed by ASPCA for the bulk of the vet fees. This insurance is WONDERFUL! Thank You ASPCA!