I purchased ASPCA Insurance for my new Blk Lab Puppy in hope that I would never need. During running exercise he tore his ACL and was operated on in July. I submitted the claim for approximately $4,000.00 dollars and within teo weeks received a check for 3100.00 reimbursement. I can see enough about the customer service and their prompt payment of the claim. If you have a new puppy, get this insurance, I had zero issues with ASPCA, they are great!