I was very hesitant about getting pet insurance. My husband said it was a scam. One night, I just decided to sign my aging dogs up. Thank god I did. A few months later, one of my dogs developed some pretty serious health problems. We were COMPLETELY surprised by how easy, fast and straightforward Pets Best was. No hassles whatsoever- they cover everything they say they do. It made us feel much better that we never really had to make a medical decision based on cost anymore. Thank you so much Pets best.