I was so impressed with Pet's Best and their claims payment service that tells you if they'll pay your claim BEFORE you even file it. So, if you're worried about getting payment on your claim you can call their customer service which is always very helpful, and they will tell you your claim will be paid,. Brilliant! Perfect for my pup and his high dollar TPLO srugery. These guys are worth your research. One of the better ones out there and not so well known. Picked them over Healthy Paws and Pet's Plan.