I've had this insurance for my dog for about 3 years now and I'm so happy to have chosen this company. Submitting claims are so easy and gives you a peace of mind that you know they are going to give you reembursment (of corse depending on your palm coverage) and you don't have to worry about paying full bills. Thier customer service Line is so helpful and always have answers for any of my questions. Overall I'm supper happy with ASPCAPI and I would highly highly recommend them to other pet parents. Please get insurance for your pets its worth every penny and ASPCAPI is super affordable. You are not only paying for the well being of your pet hut also like I said you get peace of mind that you know your pet is covered especially when they randomly get ill or get hurt.