My little Macy (cat) was diagnosed with asthma in 2013 and had 2 expensive emergency trips...he is maxed out with that part of the insurance but at times the poor boy gets constipated and has a few vet trips...I am so very thankful I signed him up in 2007 never knowing what the future would bring. They reimburse quickly and even for his medicine! He has better insurance than me!!! I LOVE the folks at ASPCA insurance-top notch customer service EVERY time I call. For a sacrifice of going out to dinner once a month you have peace of mind if your pet gets ill.