Well I just got a check from ASPCA Pet health Insurance for the charges I submitted for Kodak. I submitted $311.53. Of that amount the allowable charges were $280.78 and since I had not claimed anything to date my $100 deductible was deducted for a subtotal of $180.78. The plan I have which is primary covers 80% so I received a check for $144.62. Not too shabby! Of course I've satisfied my deductible now so the next claim will not deduct that amount.
Amount paid by insurance $144.62
Pet Owner's Responsibility $166.91
All in all I would say it's worth it so far! And the check came much quicker than if I were to file a claim for myself!