I think it great to have pet insurance, especially when you first get a puppy and just to have it just in case something was to happen. I own a bichon frise, and he has gotten sick alot with allergies. ASPCA, only covers certain items and covers 80% of what they think a vet should charge. I found a great vet in my area, but she is pretty pricing, but I feel so comfortable with her. An example, my dog just had a heartworm test, $75, ASPCA, only covered $35, times that my 80%, I recieved $28 refund. I have had this insurance for 2 years, since my dog was 8 months old. I will not be renewing this insurance.