We've had Pets Best insurance for 3 years on our little Golden, Graham. Graham developed hip displaysia when he was about 2 and a half and I don't know what we would have done without Pets Best. Treatment was $980 per hip and both of Graham's hips were affected--our total bill was $2,300!! We filed the claim the day after the surgery and were PAID TWO DAYS LATER. The reimbursement was direct deposited directly into our account! Honestly, Pets Best couldn't be truer to name. They are HANDS DOWN the best.