Yes this insurance helps with expenses but more importantly it eases my mind and allows me to focus on the wellness of my family member. No more deliberating about what might be an issue or not due to the high price of a simple office visit. This insurance allows me to act in the best interests of my dog, not my wallet. At first I thought the monthly premium was more than I should be spending because my dog was healthy, until he was not and I am oh so glad I kept the insurance. I will never again be without my ASPCA pet insurance.