Purchased this insurance when I adopted a neighborhood cat, Miso. He was an older feline and we believe he received an abscess from a spider bite. He was very sick and it took months for him to recover. ASPCA pet insurance paid the claims quickly and I was satisfied with amounts of reimbursement. Then last year he became very sick with numerous liver and pancreas problems. Again, ASPCA Pet Insurance paid the maximum amount of my policy quickly. Miso passed away last month and when I remembered to cancel the policy I had a refund of my premium in less than a week. They also sent a condolence card which I very much appreciated. I will definitely purchase this insurance again when I adopt a new pet.