I decided to get pet insurance when my husband and I adopted our first puppy at 3 months old. We adopted a puppy from a rescue and within 24 hours of getting the puppy home it came down with Parvo, once recovered from Parvo he got Kennel Cough and then rounded out with a bout of Phenomena. Needless to say he earned his name, Murphy's Law. After we nursed our little guy back to health we looked into various pet insurances (thinking if the beginning was any indication of this dog - we needed to cover our bases). ASPCA is the best pet insurance out there (even better the the insurance our Vet recommended.) Before signing up I was able to call and talk to someone about all my questions and walk through a couple scenarios ( this enabled me to see which insurance was easiest and I got the most money returned to me). ASPCA won out my a landslide. Just in time too, as our puppy got fixed he was allergic to some of the medications that were prescribed and then shortly after got bit by a tick that caused some awful temporary paralysis. These unexpected claims were sent off, responded to in a quickly manner and then we received money back. We even got a phone call from a ASPCA representative to check in with us to see how Murphy was doing - they noticed we had a few claims recently and wanted to insure Murphy was better and that he was receiving everything he needed. All in all ASPCA has made owning a high maintenance dog, somewhat easy!