We have two pups covered by ASPCA. One is 14+ and the other 7+. They are on different plan levels and each seems to work. There have been fairly long periods when I haven't put in a claim--even when I could have--because the amounts were small and I'm terrible about paperwork. ASPCA has actually had staff call us to remind us of what we can claim! This past year we've had more claims than usual and the response has been good. My older pup now has cancer and some big bills are about to go in. So I will be waiting to see how they are handled. But to date, we've been quite satisfied. I'll come back with a "10" if the reimbursements are fair.