NOW I know why it's named PETS BEST! Could also be called PET OWNERS BEST! I have had Pets Best insurance for 4 years for my dog Mickey, but had never filed a claim. I purchased it more for catastrophic illness than mundane problems. I contacted them re: price hike if I were to file a claim. I was afraid that the premium would go up quickly if I used the insurance, as it does with car insurance! (After 2 glass claims in 2 years, my premium was raised and my glass coverage dropped!) However, with the economy what it is, and my only income is my SS, a recent bill (which included blood work) was $480! Turned out to be just gastritis. I decided to file a claim...downloaded the online claim form, had the vet enter the diagnosis, and faxed it to Pets Best- not expecting much. A super quick and easy process. I received immediate comfirmatin that they received the claim and were processing it. Two days later, I got an email with an EOB showing a reimbursement of $304!! I had it deposited directly into my checking account. Now, I am 68 years old, usually find stuff like this to be terribly complicated and time consuming, but this could not have been easier! The service was fast and easy. Couldn't ask for more! I would recommend Pets Best to any dog or cat owner! I hope I never have to use their service again, but it's comforting to know that they are there to help if it becomes necessary!