I have 2 dogs, both of whom had been insured under the ASPCA insurance plan since they were puppies. Time after time I had to "fight" with ASPCA over just about every claim. After extensive research of all of the other available options, I switched to Healthy Paws just under a year ago...and, I'm glad I did. One of my dogs was diagnosed with cancer (he's cancer free now!) and the bills, as you can imagine, were quite hefty. I was amazed that less than 24 hours after submitting my first claim I received an email that it has already been processed. My reimbursement check arrived in the mail a few days later. This wasn't a fluke...subsequent claims were processed within hours of submitting them. My only regret is that I didn't join Healthy Paws sooner!