My Siamese kitty Ichiban has been insured by ASPCA Pet Insurance since 2007, and has had several medical issues over the years... couple of tooth extractions, 3 or 4 allergic reactions (who knows to what!) and one emergency toxic reaction, probably to some kind of poisonous chemical that was used on a plant or for vermin control. Although I never let him outside alone, I do frequently walk with him on a leash, and he likes to sniff everything, taste-sample certain plants. In each instance, ASPCA paid just what I contracted for, without a "runaround" or some surprising exclusion that was not in our original contract. Any question I had about their benefit payment, the well-defined EOB statement they send, was answered clearly and without delay by a trained and professional human being, and I had no problems reaching one by phone. And it seems that everyone I have communicated with at this company is truly an animal lover! I am very thankful and relieved, to have this excellent, reasonably-priced insurance.