When we adopted our Sheltie we took her to our vet the next day. She gave us our health certificate and I asked her about insurance. She gave us an ASPCA pamphlet. I compared it with others online and decided to go with ASPCA. We had never had pet insurance before for any of our many pets and I wondered if it was really necessary. Bella just turned 3 yrs. old and after a horrible sickness and a lot of tests was diagnosed with canine lupus. Inherited and ongoing illness. ASPCA has been very helpful every time I have called them. They have paid claims quickly and I am so grateful that we have this insurance. Bella is doing well now and we are hoping for many good years ahead with her.