I had the unfortunate experience of 2 out of my 3 dogs having issues that needed medical attention at the same time. Having insurance was a blessing just simply knowing how much I paid out for the emergency center and then receiving some assistance made my situation a little more manageable. My golden had tumors removed from his eyes and my little min pin mix had a severe case of gastroenteritis which resulted in iv fluids and imaging (all within a week of each other). If anyone knows the cost of an emergency center...throw in imaging and iv...the costs that added up were shocking...but anything for my babies. ASPCA is the best on the market honestly. I had another insurance company and the claims took forever and there was an exception for everything! I like my decision to have all 3 of my dogs insured with aspca.