My Lulu is a sensitive one. Her belly has always been sensitive and about a month ago she got really sick. I had to take her to the emergency vet in the middle of the night and it took nearly a month and 4 sizeable claims to get her back to her old self. ASPCA has not only paid out a significant amount, they have called to check on Lulu to make sure she was feeling better--and it never felt as though they were calling to ask if she was feeling better so they could stop paying out claims! It felt like they were genuinely interested in her wellbeing. I tell everyone I know with a pet about my ASPCA Heath Insurance and always recommend they at least look into it. You just never know and when you need it, it's a huge help and worth the quarterly investment!