Pat,
I purchased & paid in full the ASPCA one last summer. It took them over 6 weeks to get the policy out. I called multiple times to get the policy sent to me so I could review it. Finally I gave up & requested a full refund. Had to call several times to get my card reimbursed. I finally got the 2 polices AFTER I cancelled the contract. If that's how they handled a new customer I figured trying to file a claim would be impossible. Hope this helps.
Patty