We have had ASPCA Pet Insurance for many years and covered our former pet and our present pet, our Dachshund Happy. We have always been satisfied with this insurance and have been grateful for it! We would not be without this insurance. We get reimbursed for all covered expenses, which helps us supplement what we had to pay to the vets. They are quick on the turn around on claims and have direct deposit available too. We highly recommend ASPCA Pet Insurance!