I debated whether or not to get pet insurance and decided that if anything awful was to happen, I didnt want to worry about being able to afford a vet visit. As first time dog owners, my girlfriend and I have benefited from being able to put our dogs health first. I looked at multiple different insurance companies, and ASPCA gave me the best combination of options/price for coverage. Submitting the claims online is as easy as uploading a picture of the invoice, and the explanation of benefits and direct deposit reimbursement were clear and easy. I know that sounds like a paid ad, but my dog had to have xrays because she ate rocks (we didnt know that prior to the xrays), she broke her tail wagging it on a metal fence (2 vertebrae amputation followed by 6 weeks of bandage changes), and if we can get her to 1 year old without eating a whole sock I will be thrilled. I have used the insurance and it allowed me to tell my girlfriend to take our dog to the vet, when I was out of town, jst because she felt she was acting strange. I have spent more money on this dog;s medical care this year than I have on my own, but the insurance has helped cover that.