My dog is 7.5 years old. I got level-4 ASPCA coverage when he was young, and I'm very glad that I did. My dog has had a few health issues, including a respiratory infection and an eye infection. The claims were settled quickly and to my satisfaction. My vet charges more than the usual and customary fees allowed by ASPCA insurance. On average, I am getting back 50 - 60% on all claims, which is pretty good. The cost of the insurance is reasonable, and gives me peace of mind.