My dogs have been covered by ASPCA for years and the first time I filed a claim last fall it was denied because the date of the injury was 3 weeks before my policy renewed and by the time the Vet recommended the MRI and surgery, we had moved into this year's policy. Since the injury began just before my policy renewed, it was completely denied and I'm $1,000's of dollars in the hole. We would never have made the decision to have the MRI if we didn't think we were covered by insurance. When I called ASPCA before the MRI, they told me they couldn't guarantee coverage, that we just had to have it done then submit it. They didn't warn me that if the injury happened prior to the annual payment date, it wouldn't be covered. Don't use this company!!! They took my money for years and then didn't come through.