My dog contracted a bacterial infection and had to be hospitalized for 2 days, and was on antibiotics for 2 weeks. Between emergency care and specialist service, total bills amounted to more than $5k. Claim submission process at ASPCA couldn't be simpler -- I just uploaded itemized receipts on the website and entered a few other details. ASPCA paid my maximum incident limit of $3k within a couple of days, no questions asked! They even called a few days later to check on our dog. They were very friendly and seemed to really care about pets.