We have insured our three cats for several years, and only recently did we need to use the insurance when our 13-year-old cat became very ill. She had undiagnosed vomiting and lethargy, and the most frightening part was that she stopped eating. Pets Best reimbursed us for her diagnostic tests and her treatments, including a large bill for dental work, including the extraction of a tooth. We did not purchase the wellness coverage, but since the dental was related to her ultimate diagnosis--stomatitis, a very painful inflammation of the gums (the gums are essentially destroying the tooth)--Pets Best covered the entire cost minus the co-pay. I'm happy to say that Audrey is back to normal. Having Pets Best let us focus on getting her diagnosed and getting her well. The online claims submission process is efficient and easy, and the turnaround time for getting claims processed has been excellent thus far.