I never thought to insure my new puppy against catastrophic events. Who would think you would need insurance for a puppy? My sister insisted I buy ASPCA insurance. Several months later, my puppy jumped, hit the floor and broke her leg in two places. After rods and pins in that leg, several days in the hospital and several follow up appointments with x-rays, there was an enormous expense. I called ASPCA and asked was I being ripped off. They said those were the customary charges for a broken leg. Thanks to ASPCA insurance, my puppy is a good as new and I paid minimal dollars. They are the best. Thank you.