I have been happy with the ASPCA pet insurance so far. Shortly after purchasing the insurance, my sheltie had problems with vomiting, diarrhea, and weight loss. He had to see a specialist and had lots of tests and bloodwork taken. Even though they base their 80% on reasonable costs, the amount reimbursed to me was extremely helpful. Much more than my premium for the year. I appreciated the detailed information reported to me on-line and reimbursement for my claim in a timely manner. The insurance has come through for me.