I have had the ASPCA insurance now for about two yrs for my min pin GIGI and less then a yr on my st bernie mix Fiona. The weekend of mother’s day 2011 Fiona started with an onset of diarrhea. It was not bad to start on Friday but by Sunday it was getting worse and now included Jell-O like blood, so for fear it was something serious, we went to the Emergency Room. The vet did blood work, gave her some injections, some antibiotics and sent us home. Unfortunately this is not my first claim with her but after a $195 ER bill my refund was for $132. I'll take a $65 vet bill over 195 any day. Thank you ASPCA for all your help and being there for me when I needed you. Grant it not all was covered, but w/o the pet insurance I would be in a tighter bind. Having this insurance now a days is a must and this is the one thing that will not be in my budget cut!! Thanks again for the great service and protection. I don't know what we would do without you!