We noticed Buddy was shaking his head too often and when examined saw that his ear was red. We took him to the Vet and he had a ear infection. I mailed in a claim to ASPCA and heard from them after a couple of days by email saying they were processing the claim. It took about 3 weeks to get the check in the mail. If I had any thing bad to say about the Pet Insurance, it would be that the check could have been higher. They paid 10% of the Charges that were covered.