I've had Pets Best Pet Insurance for a long time. They are underwritten by Aetna Insurance Company and I just can't say enough nice things about this company. I have a 16 year old Domestic Short Hair Tabby Cat who has undiagnosed seizures, liver disease, kidney disease and Irritable Bowel Syndrome (that's a lot for one little cat). Pets Best is the ONLY pet insurance company that will cover this geriatric cat or the only company that would cover her without price-gauging me. The claims process is easy, 1, 2, and 3. I can scan the claims form right to the company on their website from home and they begin processing it right away. They deposit my refund right into my bank account quickly, usually within a week and communicate with me promptly via e-mail. I would recommend Pets Best Insurance to anyone who has a pet. This company even has a way that the policy holder can have the payment sent directly to the Vet (with the Vet's permission). What a great option for people who are on a tight budget. Additionally, because it's Aetna it works just like "people" insurance straight 80/20 after a reasonable deductible. Again, just a God Send.