I have been researching and reading 100's of reviews from this site. There were many complaints about insufficient payments on claims for ASPCA, so I called with specific questions regarding payments based on avg. cost of treatments in my area. 1st call was of no help ASPCA customer service rep wouldn't clarify and did nothing but hedge. I spoke with a supervisor who wasn't able to be specific. To paraphrase: "I can only tell you what is on the list provided." She repeated policy coverage. When I requested specific answers to specific questions there were none. Theoretically, if my cat' s treatment were to cost $1200.00 and their avg. for this area happened to be $700, theoretically, I would be left with a bill of 500.00! Since ASPCA refused to give me answers and there are so many complaints, I will NOT be giving my money to them. Beware! Research THOROUGHLY!