In 2011 I lost my job and I was paying the top tier so my dog gets the best care. But the expense was a little high for me to handle. I had to decide to downgrade her coverage or cancel. Anyway I decided to keep the lowest tier which is very affordable and I am very glad I did. My dog fell off the bed and injured a disc in the back of her neck. Had to rush to an aminal emergency hospital. Needless to say she had to stay in the hospital for 2 days and with no job and no icome this would have been a disaster. With the help of family to help pay for her stay I was able to pay them back when my claim was processed. They processed my claim at a fast and timely manner. I want to Thank them and also let them know my dog Sandy has made a full recovery. She amazed her vets with her comeback. Started walking within 4 weeks. Some dogs don't do this well and I glad that the vets kept a Postive attitude to keep me calm and work with my dog to get better. You never know anything can happen no regrets the best decision I ever made. If your like me than a little is better then none. Sandy is happy and now me her mommie has to find a job. Thanks to the ASPCA and the vets that took care of my baby.