We are so glad that we took out ASPCA Health insurance on our 8 month old Papillion mix rescue. The got hold of a bone and became very ill overnight. We took her to the local Animal 911 where she stayed in the hospital overnight for xrays, fluids, pain meds and observation. I submitted the claim to the ASPCA and received reimbursement for a majority of the total of the bill in under a month. We went with the ASPCA Health Insurance program because they are a name we trust. We have donated to the ASPCA for years and they were our first choice for our Holly.