I have a 3.5 yr old Yorkie, Bailey. When he was 2 he was having bladder problem and was catherized a few time and put on medication. When it got worst he was referred to a Specialist Vet Clinic in Greenville SC. To make a long story short, Bailey had a Liver Shunt and was operated on. Thought I was going to lost him, but he is doing fine now. Except for some skin allergies he seems fine. I submitted all the invoices I had aquired from my home Vet and the one in South Carolina and submitted to ASPCA. Since I was well aware that the issue my dog had was not covered but they went through it and covered all the tests and x-rays before he was diagnosed. He had swallowed some items when he was in pain and started chewing my shoes and anything he could get ahold of. I spent over $4500 on the first claim but it was worth every penny. The second claim was for Ear infection and skin allergy and ran around $400.
They were a pleasure to deal with and make sure I understand their decisions according to my policy.