Our dog has UTI and she has been continue giving care and it costed us several hundred of dollars for testing and medications. However, every time we submitted the claims we only get pay less than $20. We've met our deductible ($100) for a year. ASPCA still charge for continuing care for another $100 for a deductible so this last claim we got paid for only 80 cents. They hardly cover anything for your pet. I would NOT RECOMMEND ASPCA pet insurance to anyone.