These guys are the only ones I could find that offer 100% reimbursement of your vet bill! We recently had to bring our little Dinger in for a severely broken ankle. Poor boy thought he could jump down a full fliht of stairs! He's not a young pup anymore. Anyway, $1,340 dollars later, Dinger was on the mend and so was our wallet! After our deductible, Pets Best covered 100% of the vet bill. Fast claims payment (2 days!!), best customer service, and best decision we've made as pet parents.