Representatives are nice and polite. The process is easy to follow. The premium is affordable.
The "80% of reasonable Charge" is not good. I compared several vets in my area, they all charge the similar price, but ASPCA considers all of them over charged, so I really get reimbursed 50%-70%. Don't know where ASPCA get their standard of charges for my area. ASPCA should provide a list of vets in each area that do not "over charge" patients, that will make their decision more acceptable.
First month after activate insurance, the health issues are not covered, this should be improved. The puppies that were checked by vet before go to new home at 8 weeks of age, and was checked right after arrive the new home(next day?) should be immediately covered, unless the illness happened within first month of insurance is determined by vet as an existing issue started before Insurance was bought. Puppies are very like babies, need extra care, that is why I buy insurance for them. One month no cover but still need to pay premium is really not right.