I have a 6 year old toy fox terrier. I have had ASPCA Insurance since we retrieved Gracie from the breeder. We did submit claims for 2 minor illnesses and the response was very timely. recently, Gracie became very sick with severe abdominal pains and it just happened over Memorial day weekend. We had to take her to the 24 hour emergency vet hospital where we had to admit her. Thankfully, they took good care of her and treated her infection and we brought her home the next day. ASPCA reimbursed us for 80% of the costs minus the deductible...and they did it, again, in a timely manner. We are very pleased with the insurance.