I've had ASPCA pet insurance on my two labs from the same litter since they were puppies and they are now almost 10 years old. The annual premiums seem fair and the coverage for emergencies has been a real benefit. One dog had to have oral surgery for extraction of 2 broken teeth and surgery for an infected ear. My other dog had a torn ligament. The oral surgery and ear repair was over $1500 and the ligament (ACL) repair exceeded $5000. The reimbursements were apprx 30% of the total vet bills and that certainly helped me with finances. The e-filing option is fast and convenient and the turnaround is quick. Customer service and follow up on pet health is excellent.