We were given Lulu in November 2012 by neighbors who no longer could keep her. We shopped around for insurance plans and decided to go with ASPCA (as we are also Guardian Members) because the had the best coverage plans. We signed Lulu up in February 2013. We had her spayed and paid for that ourselves, our vet offers a "vaccines for life" program, $60 one time fee and all vaccines are covered. Needless to say, we will only have claims for anything major (injury, etc).
My only complaint is that the flea / heartworm preventative coverage is very low, $60/year. It's roughly $120/yr for each. I feel the reimbursement amount should be increased.
The turnaround time for reimbursement has been excellent.