This is the the second insurance company I have had pet insurance with and have found it to be very easy to work with. I have an aging cat that developed hyperthyroidism and IBD. Other insurance companies have per incedent deductables and need my vet to sign paperwork. At ASPCA there is an annual deductable and I fax them the claim form and a copy of the vet bill. I usually receive a check from them in less than 2 weeks. I have always had great service. As a matter of fact I have also insured my other cat and dog with them.