Got this insurance cause my 1.5 year old puppy kept running out. Shortly after purchasing the plan, took my dog to the vet for swollen glands. Turned out he has lymphatic cancer. My vet,and the oncologist said it was terminal, but treatment would grant us a few more months with our puppy. If I didn't have insurance, I would never have treated him, cause the cost way over what we could afford.The cancer is now gone and oncologist is very pleased. ASPCA never questioned. All expenses have been paid with the exception of the nominal copay, considering he should not be here with us. Payment is fast and easy. Thanks to ASPCA I have my boy with our family.