I switched from another pet insurance co. to ASPCA and am so glad I did. My cat, Sampson, was sick with vomiting one day and diarrhea the next. I took him to my Vet where he was examined, re-hydrated, x-rayed, (thankfully no object showed up) and given 2 shots of antibiotic and one for nausea, with pills to go home with. He did recover nicely, with a diagnosis of "gastro-enteritis." My $434 claim was taken care of quickly and but for the extremely reasonable $100 yearly deductible, I would have paid only the $34.
I then received a call from a very nice gentleman inquiring about how Sammy was doing. That was a very pleasant surprise but I hope that I don't have a sick kitty again for a long, long, time.
I also signed up for the Well Kitty rider not only because it covers a yearly exam and shots, but also a good portion of teeth cleaning which no other company provides, that I know of. I do recommend this company to anyone that brings up pet insurance and I hope they heed my advice.