I've had ASPCA pet insurance for my 3 cats for a few years, and thankfully never had to submit a claim. My Houdini stopped eating & drinking, and his body was lop-sided and his head tilted. we brought him to the vet, and then referred to the ER, because he was in bad shape. I'm pleased to say he is under treatment for a double middle ear infection, and is recovering. So for the first time, I went on line and filed a claim. It was very easy to do. I received confirmation that my claim was received almost immediately, and within 3 days, I received an e-mail that the claim was processed, and my reimbursement is being mailed to me. Then, the ASPCA representative called me to make sure I received the good news about my claim, AND to see how Houdini was doing. very caring and efficient. I volunteer at a pet rescue, and I am recommending the ASPCA pet insurance to everyone.