In the recent past, I know of someone who was presented with an $8,000.00 bill to cover the expences incurred attempting to keep a standard poodle alive. Unfortunately, the dog did not make it through the surgeries, blood transfusions and other treatments provided to him. Would YOU ever want to make the decision about your pet's welfare based solely on the cost? I know I wouldn't. Pet insurance has become as important to our pets as health insurance is to us. ASPCA is reputable and honest in its evaluations of each claim. Just weigh the cost of the premiums against the peace of mind it affords you, and the protection it provides for our loving pets.