I decided to try Pets Best for my new puppy after my vet recommended them to me. 3 days after I signed up my puppy broke his arm! I was so stressed out because I knew it was going to cost me a lot of money. When I called Pets Best they reassured me that everything was going to be ok and that I had gotten a really great plan that became effective that same day for accidental. I felt like I was talking to the vet after hearing how concerned the woman sounded. I did not feel like I was talking to an insurance company. The vet did indeed recommend surgery. I set it for the next day and submitted a pre authorization paperwork to PetsBest. Within an HOUR they had a response for me and had approved reimbursement for the surgery. A couple days later I submitted the claim with the final bill and they deposited the money into my account within a few days. They also followed up with me over the phone to make sure I understood everything that was happening. Great customer service and so easy to use the web portal. So happy!