I purchased ASPCA Insurance for my new dog immediately because I spent so much money on medical care over the life of my previous dog. I have to admit some of the medical decisions I had to make were based on money (what was affordable and what was not), that I am convinced I may have compromised the quality of care my pet received. I don't want to have to make a life or death decision based on money with my new dog. The deductible is easily met and the reimbursement rate is great. The service ASPCA provides is efficient and problem-free. The annual premium is automatically billed to my credit card so I don't really notice it. What the premium breaks down to monthly might be considered a somewhat significant expense to some, but when a medical problem arises with my dog, I don't even hesitate to have her checked at the vet. I almost think, "bring it on" because I know I'm covered. No medical catastrophe will be a death sentence.