My 2 year old lab had two separate health events this summer. One was gastro related and a month later, what I thought was an obstruction in her throat turned out to be kennel cough caught from her "Cousin" dog Cami. I paid both vet bills and at that time it never occurred to me to file a claim as it did not include any surgery or serious illness, thankfully. I called ASCPA Pet Health and described the symptoms and the treatments and asked it the claims would be covered. The service level I received was a 10 and the representative encouraged me to file a claim for both events. Within a couple of weeks I was reimbursed and then received a follow up call from Douglas to ask how my dog was and to ensure I was satisfied. My takeaway from this was that Blue Cross Blue Shield human health insurance could learn from the ASCPA Pet Health Insurance!