I decided to get Pet's Best based on reviews of the company. However, I decided I would save it for a TRUE emergency, choosing to pay for all other vet visits on my own for my two Bichons & 1 maltese. My middle Bichon recently did have a TRUE emergency and could have died. But the ER vets in Buffalo Grove saved him, diagnosed him, got him on the right track and Pets Best covered the majority of the bill, which helped me keep money in the bank for the additional costs now that he's a diabetic and would need regulating. I'm happy to report he's now my little "diabetic on the go" and thanks to Pets Best - I'll always have peace of mind during a TRUE emergency! They are worth EVERY penny I pay them quarterly! HUMAN insurance companies could learn a thing or two from this company!