We signed up with ASPCA for our new labradoodle puppy in 2009 at Level 3 and felt very comfortable that she would be ok regardless of what happened. They were great with coverage for the early needs of new puppies - spay, standard vaccines, etc.
However, when she stopped eating and drinking, had diarrhea and was throwing up for days, we had to make an emergency visit to the vet. Our pup had to stay about 1 1/2 days, and they ran a number of tests to see what could be wrong. The bill for her treatment ended up being approximately $800, and ASPCA refused to cover ANY of it!! Despite letters from our vet attesting to the necessity of the treatment, and from us explaining her dire state and how we waited before taking her in, they said No.
I would never recommend ASPCA because, if you can't take a sick young puppy - with impeccable pedigree and no issues when taken for initial assessment (after we brought her home from the breeder) - to the vet and count on your insurance covering the treatment, what's the point of paying them anything?? Especially when the Vet vouches and its an $800 bill! We've heard good things and plan to switch to Truepanion.