I never had pet insurance before and was not expecting to need any soon but thought it would be prudent as my pet was getting older. As it turned out just three months into coverage she contracted pneumonia and required intense after hours emergency help. I am glad to say that after 2 months of treatments my Tallulah is doing much better and ASCAP Pet Insurance refunded 80% of all or most costs minus the deductible just as they stated they would in their policy. I had to call in to Customer service one time and the agent was very helpful and friendly. During this time I received two calls from their staff to see how Tallulah was doing. They have a very user friendly website and claim submission process and UI. Their claim process does take a long time, about 1 month for the initial claim and then 2 or weeks for additional claims from same original issue so that would be only room for improvement but I would still highly recommend.