I am very disappointed in this insurer and do not recommend it. Given that the policy alleges that a client can use "any vet" and be reimbursed at 80% of the amount bf the vet bill, I wrongly assumed that this insurance would have a reimbursement rate of 80% based upon a realistic fee. Albeit certain "reasonable rates" defined by ASPCA are surprisingly high (eg $120 for a specialist consultation), others are absurdly low (eg $27. for a urinalysis regardless of whether it was done in house or sent out to a lab) and just slightly over $200. for a multi-organ abdominal ultrasound performed by the same specialist that ASCPA considers $120. an appropriate fee for a consultation. Finally, the "reasonable" fees do not appear to be available until a claim is filed although a customer service rep suggested obtaining an estimate from the vet and then waiting to have services performed until ASPCA has an opportunity to "evaluate it" Overall, I am finding that I am being reimbursed at about 50% of the vet expenses that I was promised would be reimbursed at 80%. This insurance does not provide me the peace of mind that I hoped it would provide when I purchased it. And the company appears unwilling to make their list of "reasonable fees" upon which they provide reimbursement available. Moreover, although the staff is pleasant on the phone, I feel that find it annoying and unacceptable that I find their lack of transparency about determining reasonable fees to be unacceptable.