I thought it would be the best insurance ever, since it has the name ASPCA, I was wrong. They didn't pay anything!!!! The reason they gave me was "Exclusion Code - 2", then they sent me a paper explaining it what it means and it was pre-existing (for my baby's earmites). How is it pre-existing when she's only 5 months old??? It was her first time going to the vet. I wouldn't recommend it. Save your money. Find a better one.