This is the fourth claim that I have submitted to ASPCA. Each time the process has been easy and a reasonable amount of my costs have been covered. They even cover end of life services. I had one cat pass away last year (age 17 to cancer), and I received a call from someone at ASPCA Pet Health Insurance offering heartfelt condolences. Just a month ago I lost another cat (age 16 to kidney disease), and I received another heartfelt condolence call. Also, I no longer had to pay for the insurance which was not the case with another company. Needless to say, I highly recommend ASPCA Pet Health insurance!!