I subscribed to ASPCA Pet Insurance after multiple extremely poor experiences with one of the other major pet insurers. A friend who had similar experience as I with that former insurer also switched to ASPCA. We are both extremely happy and satisfied with ASPCA. Their support staff is knowledgeable and courteous. Unlike my dog's previous insurer, every claim is not first rejected and subsequently honored after the rejection is protested. The terms and conditions set forth in their policy are understandable and adhered to. I do think some of their reimbursement limits are on the low side but they are what I agreed to when I bought the policy. I heartily recommend ASPCA Pet Insurance for their honesty, integrity and caring to anyone seeking the peace of mind such insurance gives.