I just signed up for health insurance this past summer since my beloved cat is getting quite elderly. A month or so ago, he was attacked and had to be taken to the emergency vet. I forgot all about my ASPCA coverage since I was so worried about him. My husband reminded me and I filled out the simply and short claim form. I was notified via email when they received the form and when it was processed. My check was mailed very fast. I was so please with my experience that I am adding other pets to the policy. My only problem was that ASPCA excluded portions of the price of some of the services (and all of the price for the Feline AIDS test) based on local prices. This is normal for human insurance as well but it always irks me.