When we got our 8 week old lab we I thought it was crazy to spend money in insurance for a dog. Well I was so so wrong. Everything that can go wrong with outr dog does, and ASPCA pet insurance has allowed us to give him the care he needs. The claims are processed timely and we have never had a problem with coverage. The only negative remark I have is some of the medications he has been given are not covered very well. Other than that it' has been a life saver to have.