Our most recent claim involved a late night trip to the emergency vet, xrays and ultrasounds -- none of which are cheap. Submitted $1400 worth of claims and received $800 back from ASPCA, which more than paid for the year's premiums. Adding to the overall value is the pleasant customer service team, who have consistently been friendly, sympathetic and helpful on the phone. My one complaint would be what I feel is ASPCA's unfair comparison of what they consider the fair/average rate for vet services as they don't seem to take geography into account; EVERYTHING is much more expensive in NYC, so not accurate to base reimbursement on what the going rate is in other states/cites. Regardless, still worth it.