My dog Tucker is a Welsh Cardigan Corgi, 12 years old and in good health, but when my husband died last year and my income was drastically reduced I was afraid I wouldn’t be able to afford the vet bills that I knew would be coming up in the next few years. I purchased a policy on Tucker last year and since then he has had anal gland surgery (very expensive) and a serious illness. I haven’t added it up but I believe I am in the black or at least even with the premiums paid versus claims paid these last two years. I especially like how easy it is to submit claims via e-mail and how they are handled promptly by the company in a fair manner. The only thing I would change would be the “pre-existing conditions” clause every year. Some of these illness are long term or overlap the policy anniversary date and it would be most helpful to have them covered—if they began while the insurance was in effect, of course. I recently acquired a four year old “mutt” and one of the first things I did was insure her with ASPCA Pet Insurance. I hope I don’t need it, but . . . .