I got ASPCA after my puppy tore her first ACL, knowing that the chances of her 2nd one blowing out in the near future was high. About a month after her first accident and getting ASPCA, her 2nd ACL went. I have accident only which only cost me $25.00 a month. I had no problems with my claim of almost $3,500 for the surgery! They paid me back my 90% with no questions asked. I only had to fill out about 5 minutes worth of information on the ASPCA app and they handled the rest! Very thankful, and highly recommend this company!