I purchased this insurance as an AFLAC type plan. I have primary insurance for my heeler, now 7, through Banfield. However after Samantha was attacked by a neighbor's dog and needed emergency care and surgery (which Banfield did not provide) I decided that we needed somehting extra, as a just in case. We have used it a few times for things that were not covered at Banfield. They people at ASPCA are very friendly. helpful, and quick to respond. Very happy.
Australian Cattle Dog