This was the first claim I've filed and the people at ASPCA were very knowledgable and helpful when I filled out the forms, although the forms didn't really present any problems. As I've read in other reviews, the claim was responded to very quickly. The few questions I had when I didn't understand the coverage amounts were clearly and satisfactorily explained by an ASPCA rep. Bob did a great job -- I'm happy that my cat is covered by ASPCA health insurance. I hope I'll not have to use it again, but I'm happy it's there if needed. By the way, I have recommended ASPCA to friends who have signed on also.