We had a tragic accident with our bloodhound Huebert recently and vet bills piled up quickly. If it weren't for the ASPCA policy we had, we may have had to put Huebert down. We luckily had been with ASPCA for over a year when the incident occurred. After submittal of the paperwork, we were paid within 30 days as our policy states and were able to collect the maximum amount possible with the policy.
All of my correspondence with them was pleasant, especially with the stress and worry we had been through. They took initiative in caring for our dog and this went a long way.
If you are considering insurance, I strongly recommend sacrificing a little somewhere else to pay for it. With this incident, it has paid for itself.