I knew having a giant dog would pose severe financial constraints if anything ever happened to my Oliver. As a pet lover, I too want to keep my baby healthy as long as possible. My question to myself; Did I want to put my beloved pet "to sleep" only because of an issue of money? I was faced with that choice when Oliver tore his ACL, and ASPCA helped me provide the veterainary care needed: major orthopedic surgery and alot of followup care and meds. I've had this insurance for 4 years and 2 of those years the insurance has definitely paid for itself. Customer service staff has been extremely helpful with my or vet's questions, and payment in timely manner when all documents provided. Yes the plan only pays 80%, but the peace of mind it offers far outways my financial contribution. Just wish they would offer pre-existing condition with policy w/pet that has been with the plan. Will I continue the plan for Oliver and would I purchase plan for future animals? Absolutely!