I never thought I would need to use pet insurance but bought it just in case (I have the plan for accidents/illnesses). As a vet assistant I've seen too many times when pet owners cannot afford to do the very best for their pets and have to settle for less expensive options. My dog is my family and as such I wanted to be prepared in case anything were to happen. Unfortunately, I have had to use the insurance a few times. My dog got into rat poison, xylitol from gum, bite wound, back pain, broken tooth extraction, scratch on her eye, and this is all within the past few years. The total for those vet bills is at least a couple thousand, but with insurance I've saved a ton of money being reimbursed for 90% of the bill most of the time. I'm hoping we won't run into anymore issues, but I have peace of mind knowing that if something does happen I will be reimbursed for most of the money I've spent on treatment. ASPCA has been wonderful. They always call to follow up and see how my dog is doing after a claim has been submitted. The claim form is very easy to fill out and does not require a veterinarian signature (a lot of insurances require this which requires another trip back to the vet just for a signature). If they have any questions about treatment, diagnosis or medical records they contact the veterinarian themselves. Overall I am very happy with ASPCA. My only critique is that the costs have been going up each year, but I sort of expect that to happen with any insurance premium.