I am a little conflicted with this insurance company. I agree with a lot of the other reviews on a couple of points. They do not really follow up. I had a claim pending and I called ASPCA and they said they were needing more info from the vet. I called the vet and they told me that they had sent all the required info in, and that they have not received any phone calls asking for anything....bottom line, you have to do all the work to make sure your claim is being handled.Secondly, I agree with the pre-existing issue. I think they are way to strict in regard to this, and like the other review says, check the fine print! Other than that, they are a little slow in getting me my money. I have a boxer with cancer and he has to go every week for chemo, so my bills are really piling up. It would be nice if they could work a little harder, and faster in the reimbursement phase. I do think that having insurance is the way to go, and in the end, ASPCA is probably one of the best. I am glad I have it, and would recommend it.