Rufus who had never been sick suddenly starting health issues that required medication and a special prescription diet. I filed the claims and received prompt payment exactly and it paid exactly what it said it would. This was not how it had worked with my previous carrier. I am so pleased to have the confidence and assurance that if either of my pets have a sickness they are covered by pet insurance that works! This is especially important since we are retired and on a fixed income. Veterinary expenses can be quite high and without ASPCA I would not have the peace of mind I have now. Thank you! I recommend it to everyone I talk to about dogs and I work with a rescue so that's a lot of folks. I hope they take advantage of this very important service.