I have had ASPCA Pet Insurance for 7 years. My dog is 13 and the older she gets the more health problems she has and some of them are ongoing conditions. ASPCA will only pay for one disease and one occurrence. She had a blood test 2 years ago which showed elevated levels in her liver, she never had any treatment or diagnosed with liver problems. However, since her levels were elevated they will never pay for another blood test nor matter what the reason. She also showed a mitral valve problem two years ago but no treatment or medicine required. However, since she was diagnosed with the mitral valve problem they will not pay for any treatment of Congestive Heart Failure and the chronic Bronchitis she now has. She has never been diagnosed or treated for Congestive Heart Failure or Chronic Bronchitis before, however, ASPCA will not cover either of these illnesses or treatments. They will not cover any of her medications. So if your dog or cat has a thyroid problem which cannot be cured forget it they will pay once but never pay for the meds again. I have the proof. Don't buy this insurance they will leave you high and dry.