I have had other insurances for my animals but each company has become more and more expensive over the years. So I shopped for a new carrier and found ASPCA. My Aussie/Border Collie mix runs in an open field and comes home loaded with foxtails. Recently she swallowed one and we had to take her to emergency.She ended up being able to pass it by herself but I still submitted a claim since we had paid a $300 vet bill for the exam (they knocked her out). Was very pleased when it was covered.