My lovely cat swallowed a thin long purple ribbon in front of my eyes (I had been gone only a few seconds) so the next morning after she vomited I took her to the vet. She had two visits, two X-rays, blood tests and examinations. I submitted the claim to ASPCA insurance with the recommended documents and within a couple of weeks I was reimbursed a substantial amount of the vet's bills. It went smoothly with no discussion and arguments unlike health insurance for myself. If I could get ASPCA insurance for myself I would!