My beabull Bella used to be sick all the time and the vet recommended testing her for allergies. The dog had indeed all possible allergies . The testing and treatment were expensive ($400 + testing and $200 + year long treatment) but ASPCA covered 90% of it. ... I just had to submit the bill and fill-up the claim form...Quite happy with their services and so far, in over 3 years , I never had a claim denied, as it happened previously with VPI.