Recently, my older Bichon had two emergencies, one of which required unexpected surgery. Dog surgeries aren't cheap. And this came out of the blue. I submitted my dog's medical receipts, and ASPCA Insurance sent me a very nice check to cover a portion. Then my dog partially tore an ACL. More vet expenses and another helping hand from ASPCA health insurance. At one time I wouldn't have considered the expense of pet insurance worth it. But after going through this year in particular with unusual vet bills popping up, it was a relief to have pet insurance, and ASPCA is excellent in responding. Worth the insurance fees to have the help when you're suddenly hit with an unexpected bill.