I just purchased pet insurance due to rescuing a Border Collie/Lab as a puppy and not days later she fractured her back leg at 5 months old, due to her jumping for a toy. Took her to the local Animal Hospital whom took multiple sets of X-rays and required her to be in a hard cast and then a soft cast, which ASPCA covered all exams and tests within the standard amount allowed. Personally, I could not have asked for more from an insurance company. I truly feel that I was provided the coverage as stated in my policy. Too bad my own health insurance can't provide myself painless ways to file a claim.