I love the aspca insurance. My dog that is 5 years old and had a heat stoke and had to be hospitalised for 3 days. The pet insurance covered most of the cost and I received the refund in a couple of days. I never thought it was worth keeping but I was wrong. Not only this time but before this my dog and surgery and they covered a big portion of the bill. I am grateful for the insurance and the staff is great in a swerving any questions I may have. Thank you again for a wonderful insurance and peace of mind.