I got this pet insurance when my dog was 6 months old. She is now 9. I have sent in claims which I would never get any money back for. There was always an excuse about how it wasn't covered. I had one of the most expensive plans paying $80 a month. Over this time I have only received a couple hundred dollars. From the thousands I had put into it. The last straw was my dog had to get a mass removed which was thought to be cancerous. ASPCA pet insurance would not cover ANY of it because they claim that it was a pre existing condition. Didn't know a cancerous mass was a pre existing condition! What is the point of paying $80 a month. I have never had such a bad experience with a company before. Wast of money. There are way better pet insurance out there. Or better yet save your own money every month for vet bills. Such a scam.