Having a very energetic dog, I rather be safe than sorry :)I did some comparison before I signed up with ASPCA and found it was the best value/coverage(for me) The ratio of cost/ reimbursement is above average I think. I did get my monthly fee worth within about3 visits/year (incl. prescription cost). Also the claim/reimbursement process is painless. All done online and deposited into my bank account. Periodic follow up calls & checking on customer satisfaction is also a plus too.
I give it a 9 because I don't have anything to compare it with :)