My yellow Lab, Max broke a molar. My vet would not do the surgery to remove it and referred me to a specialist. I didn't hesitate, knowing that I had ASPCA insurance and I had used it in the past. The specialist cost over $1,800.00 and while certain things are not covered by the insurance I had about a $500.00 out of pocket expense. This has given me peace of mind that I can take care of my dog in any situation. I would highly recommend it to a friend.