I've had ASPCA pet insurance for several years. I've used it for two claims and in both situations they provided timely claims processing and payment. When I've called them, they are very nice on the phone and helpful. I think it's reassuring to have this coverage in the event that one of my cats has a serious condition that I might not otherwise be able to have treated. I wish they covered more preventative service (i.e., dental cleaning), but that's my only complaint.