I have been very satisfied with my decision to get ASPCA health insurance for my dog. At first many people told me that I don't need to bother with pet insurance. In the beginning, I was a little disappointed in the amount I got back for certain routine but necessary appointments, such as check ups and shots, which is why I deducted two stars and gave 8/10. That could be because of what level of insurance I purchased. However, in the last 2 years that I have had my dog, when she has gotten sick or hurt, my insurance has typically covered a majority of the expense, which has been a lifesaver for me. Also, the app is very easy to use and customer service is great, so it's never hard to get information or understand what is going on.