As the pet parent to two dogs and two cats, I have had my share of veterinary expenses. All my animals are rescues so they didn't come with any health guarantees. I easily spend several thousand dollars a year at the vets. Their healthcare is not something I would ever consider scrimping on, so I researched pet health insurance. Just like people insurance, most pet policies have deductibles and clauses regarding pre-existing conditions and reasonable and customary charges. You need to do your homework. I have the premiums charged to my credit card monthly and consider it like a forced savings for veterinary expenses. I chose the ASPCA carrier since a portion of each premium goes to help homeless animals. The claims submissions is relatively easy and the processing is quite timely. Financially, I would be satisfied if I could recoup the cost of the premiums with the claims I submit. Fortunately, my pets are fairly young and in good health, so this hasn't happened yet. I consider the premiums as the cost of future peace of mind. Just like us, the older they get, the more medical intervention our pets require. Overall, I am very satisfied with the ASPCA pet health insurance and would recommend it to someone who wants to insure his/her pet(s).