We signed up for pet insurance when we got a standard poodle puppy, Katie. We have used it sporadically for the six year. She is now 7 years and had a bout with pancreatitis. The expenses of tests x-rays, and treatment are around $3000. ASPCA Pet Insurance has paid 80% of most of the expenses (except those that are above "customary" rates. We are retired folks living on limited income and this has been a life saver for us and Katie. Submitting a claim is easy and the reimbursement payments are made promptly.