I had ASPCA for my two cats for years. It was real B.S. You know ASPCA should shame themselves. Only cover up to $1500 for one incident/year only. I kept ASPCA feeling like my good will against my instinct. Finally I moved to Trupanion last October. Then one of my cats got kidney failure. Last October was transition time so my cat was double insured. ASPCA only paid me $1500 out of $7000 plus cost after weeks of communication. Trupanion pick up the rest. It was close to 90% of the balance. And fast. Right I submit the document from ASPCA, it only take 10 days. Trupanion I will give A. To ASPCA, I will give C.