I bought an ASPCA policy for each of my two dogs. My intention was to have a safety-net for the bowel obstruction that was headed my way. In the meantime I am using the policy for some reimbursement for vet bills for my dog with atopic dermatitis. I think the premium, coverage and deductible are priced fairly. I like being able to submit claims via email. I've appreciated the reply email (although non-specific) stating that my claim was received. It took a little longer than I expected to receive the first reimbursement (3-4 weeks) but that was likely due to the fact that I didn't submit documentation from my vet. Overall I'm am very satisfied.