Our children begged us for a dog and until my husband retired, we did'nt feel that we could be dog owners.once myhsband retired we had no more excuses! So Marley and Gracie came into our lives. Marley is a Golden Retriever and Gracie is a Chocolate Lab. Pets are an incredible financial responsibility and we felt that ASPCA pet insurance was the only way to go. If problems arise that are costly we have insurance that we can properly care for our dogs. The first 6 months of a puppy's life include immunizations and spaying/neutering and for us it was x 2! Our pups are now 8 months and 8 1/2 months old. We have submitted many claims thus far and have not been disappointed. ASPCA pet insurance is the only way to go!