This was the first year in the many that he's been covered by ASPCA Pet Health Insurance that my cat had any medical needs aside from his regular wellness exam (which his insurance has regularly covered most of) -- and boy was I glad that I've had him insured! Several vet appointments, multiple blood tests, meds, x-rays... the out-of-pocket costs were pretty staggering. Four separate claims -- but then I got my insurance reimbursements, and most of it was covered, and I got reimbursed 80% of what I had paid. The claims were processed quickly, the reimbursements were direct-deposited into my account, and I received follow-up calls from the ASPCA customer service representatives to find out how my cat was doing and if they could be of any further assistance. Fortunately he has fully recovered, is eating well once again, and is one happy kitty!