My husband and I had an unexpected addition to our family when we came across a 4 week old Lab mix being sold on the street by a kid who clearly had no clue how to care for young puppies. Our little Dori came home with us, but we were now faced with covering ALL her puppy vaccinations, her spay, and some allergy issues that sent us to the vet several times. The ASPCA pet insurance saved us a lot of money, and even though you have to pay up front, it really helps to get 80% of it back. Claims were processed in a timely fashion, and rates are very reasonable for the amount of coverage. I also really like knowing an organization like the ASPCA is benefiting from it as well.As someone who doesn't have a few thousand for a rainy day saved, I like knowing that if something unforeseen should happen, I won't have to choose between my finances and saving my best friend.