I am very happy with choosing ASPCA Pet Health Insurance for Heidi. She was acutely ill & needed to be taken to a Pet ER. My husband was shocked with the charge. I submitted the claim to ASPCA. After taking out the deductible, 80% of the claim was reimbursed to me. Heidi had to follow up with her vet since she had lingering symptoms. I submitted that claim that reimbursed at 80% to me. The speed that the claims paid were unbelievable. I was reimbursed within 2 weeks. Submission of the claim is simple. One takes a picture of it on their phone & submits it. A brief explanation of the illness is enclosed on the online form. I am very satisfied with the ASPCA Pet Health Insurance.