I've had ASPCA insurance for over 4 years now but just had to submit my first claim. The process was very smooth - I did make sure to get all records from my vet throughout the incident so including them may have made the process even smoother. The claim was processed quickly and I received my reimbursement with no issues. The only slight downside was that I wasn't fully reimbursed for what I anticipated - my vet charges slightly higher rates and they use a local average for what they will cover. Not a huge issue for me though - I'm happy to at least have the peace of mind this insurance provides me!