My dog has a tendency towards stomach issues and eating strange things. She needed and emergency visit to the vet for a very rough stomach illness. ASPCA pet insurance paid for everything (minus deductible). My only complaint is my vet's office had to send the paperwork several times over 2-3 weeks because ASPCA was not able to receive it for some reason. This delayed my claim but they expedited it as soon as they were able to receive the papers they needed.