Our Bichon Frise-Poodle Mix dog, Max experienced a tear in his cruciator tendon and Miniscus as well as an out of joint knee cap during a hop up to our couch! We had him diagnosed with x-rays and referred for orthopedic surgery within about a week. ASPCA Pet Insurance handled the claim very rapidly and paid an excellent amount of reimbursement. They showed true concern for Max and for us. I can not thank them enough for their terrific support. After having this kind of coverage from pet insurance, I can not imagine having a pet without it!