I have had ASPCA pet insurance for 3 years now. Thank God I haven't had to use it on anything serious. I only have a couple of things I don't like about it. My Chihuahua is on medicine for seizures and the insurance doesn't help me pay for that. The other thing is my pug has to have prescription food and it's quiet expensive, heart worm medicine is expensive. And lastly the thing I like the least is that every year they go up on the premiums.