I really do like the ASPCA plans and their U&C way of reimbursing is by far better than most out there. Even the companies that claim to pay 90% of the vet bill do have a limit on what they reimburse.
However, if you are just browsing the web and enter your phone number for a quote THEY WILL CALL YOU withing seconds if you don't enroll. I found this very irritating and the hype over the "special offer" is just a free trial with a bunch of exclusions. ASPCA would be better off just letting truly interested folks call in for themselves.
I also thing a company representing the ASPCA should cover some hereditary conditions. Even a limit of $500 like the others do would be better than nothing. After all, the ASPCA is all about RESCUES and most rescues have limited health history or were from puppy mills, BYB'ers etc. The owner and rescuer should get a little help and a break. As I stated, good plans but don't enter your phone # online!