We adopted our 9 pound maltipoo, Duke, last year and signed on with ASPCS insurance after exhaustive research with numerous companies. At the end of the day, we felt good supporting the ASPCS organization and hoped that the trust we had in the brand name would carry over to their pet insurance.
Lucky for us, we made the right decision. Our Duke had a couple of typical "puppy scrapes" that first year - eating acorns in the yard once which sent him to the vet for IV fluids and another time after ingesting fertilizer off a neighbors lawn. Both times our little guy got really sick and it was nice to have the peace of mind that we had insurance to off set the huge costs involved in treatment.
Initially, we bought our policy for the well-visit coverage. While that offered a reimbursement towards neutering and some vaccines, we felt he best part of the covereage is for illness. When we renewed our second year, we ditched the wellness plan and signed on for pre-existing illness coverage instead.
In the long run - it is reasonable and the ASPCA folks make it really easy! Our claims were processed quickly and fairly. Also- they are not big on "hard sales"- I felt that they cared about my pet as much as I did! hanks ASPCA!