I've historically questioned the reasonableness of paying the annual pet insurance premiums on my two dogs, as the generic deductible seemed high and wellness coverage was questionable. However, when my lab was diagnosed with a torn ACL earlier this year and the estimated bill approached $2,800, I was glad to have the insurance in place. ASPCA did a good job of walking me through the process, and payment arrived within two weeks of the surgery. Coverage was very reasonable and the overall process was fairly painless. My dog received the full care she required, and the coverage essentially paid for the prior five years of premiums. I’m concerned about the ‘pre-existing condition’ clause affecting future issues, but I was glad to have the insurance in place as it certainly eased the financial burden of an otherwise difficult process. I intend do maintain both policies going forward if only for the peace of mind they provide.