I have two Bostin Terriers and they are quit active.Since we adopted them, we have had a few issues, from a scratched eye on one to bowel obstruction on the other. So far, ASPCA has covered all. It has been nice to not worry too much about vet bills. The only thing that my policy states is that if there is a pre-existing/recurring illness or injury that exists prior to the plan period effective date and has not had 180 days since diagnosis, cure and last treatment, they will not cover it. Also, multiple incidents of foreign object ingestion in a 12 month period. Hopefully I do not run into this problem. Other then that, I have been very satisfied.