My I have two kitties with this company--one for 7 years, and she has suffered multiple issues. ASPCA has never questioned her problems, and pays very quickly. They even call to ask how she is doing! Then they send a "thank-you"note. I have had pets with three other companies; ASPCA is the best. I am also a pet journalist and am aware of somethings that others have shared about their frustrations with various companies in this genre. I plan to insure my next pet with ASPCA.