We have a 12 year old Golden Retriever named Mia. We bought the ins. when she was a puppy. (it's cheaper) Whenever she gets sick or hurt it's always on a weekend or a Holiday when the regular vet is closed and the emergency clinic is a lot more expensive. ASPCA has always reimbursed me in a timely manner and I never regretted having it. She has always been pretty healthy, but there's always a UTI, a hot spot, an ear infection, eye infection, stomach problem.....just like a kid. comforting to know that for an affordable price her illnesses and injuries are covered for an affordable price.