I got my Rudy when he was 2, he's 13 now, and up until about 2 or 3 yrs. ago he was healthy! Then his left ACL went, then his right, and now he has a sinus condition that he'll have for life. This insurance has been a Godsend. Between surgeries, and meds I'd have to offer up one of my own kidneys to pay the bill, but ASPCA Pet Insurance has been there with me every step of the way! They have even sped up some claims, so that I could get cost reimbursement asap. I will never have a pet without this insurance. Thank you!