I've had a satisfactory experience with the ASPCA insurance coverage. The turnaround time for reimbursement takes about 3 weeks. It's come in handy in a couple of emergency situations for both of my cats. The reason I'm not giving the insurance a higher score is due to the pre-existing conditions clause. If my pets were to be diagnosed with an illness when my policy is up for renewal, it would be considered a pre-existing condition and there would be no further coverage for that condition. This disappoints me since I've been a customer for a couple of years and I'd feel more confident in the coverage if the pre-existing clause weren't in effect.