I've had the accidental plan for my dog since 2010 and thank goodness I did because just recently my maltese needed surgery for a torn CCL that was going to cost me over $2k!!! Although the entire amount was not covered, ASPCA helped cover the majority of the charges :) and my dog is doing very well now. It was a quick process that took about a week to process and for me to receive the check in the mail. Just be sure to submit all of your pets medical records from every vet to help speed up the process. Will definitely continue to have this insurance for my dog.