Our dog Bailey has had to go to the vet 3 times this year. Unfortunately, they were not for preventative care. He developed 2 ear infections and a respiratory infection. Each time we submitted claims, the process was very easy.. We had prompt aknowlegement of receipt of the claim and very fast pay out. We have broken eaven on the premiums even with out having a real serious injury. I would definitely recommend the ASPCA pet insurance.