I recently joined the ASPCA pet insurance company in Feb. Two monts later one of mh cats got sick. I took Her to the vet. Completely examined her and gave her medication The vet sent in the forms and the company did what they promised without and hesitation and sent me the checks. Needed. Also I was surprised and happy to hear that they called me to find out how she was doing. No company for humans do that. I am very pleased and happy to deal with this company and would recommended it highly.