ASPCA if the absolute BEST!!!!!! My dog has had multiple issues over the past two years - seizures, hip issues, gastrointestinal problems. They pay claims promptly and I have never been denied and never had to justify or explain my claims. They have wonderful customer service and even call after an incident to see how she's recovering.
I had a policy with a competitor previously which was worthless. Totally turned me off pet insurance. They paid very few claims and argued about every one. With ASPCA, I feel like they are really trying to take care of the health of my dog and not just make the most money possible off insurance.
I HIGHLY HIGHLY RECOMMEND ASPCA VET INSURANCE and have my vet recommending them as well, based on my experience. Really - do not even think about using any other vet insurance company!!!!