Vet bills can be very, very expensive! I recently submitted two claims for my beloved cat, Pepper. It is so easy to do, especially if you have home fax capability. ASPCA's response time was great and I was amazed to actually receive a phone call to let me know my check was being processed, and on it's way. I found the representatives to be most polite and charming to speak with. What a very nice customer service experience! I am very glad I signed up for this insurance. Thank you ASPCA. What a wonderful organization you are!