I adopted a bulldog mix during the pandemic - luckily I had insurance because she had a tumor and spay issues. ASPCA covered it (minus the spay since I did not have wellness added on. I did not know this but they were able to explain over the phone that it was not covered without adding wellness.) The claim itself was 4K - and I was reimbursed close to that amount. I plan to keep this insurance forever because I was not expecting a rescue dog to rack up a 4k bill within adopting her! I also love the mobile app, I would check that daily to check on my claim status. Direct deposit was made within a few days after the claim cleared.