I have had other pet insurance, but will now only use Pets Best. Our dog has allergies and we see specialists along with our regular vet. There has never been an issue with the number of visits. Payment is easy at 90% for our policy. None of the reasonable and customary stuff. Filing a claim is so fast and easy. I use the on line service. Payment is also fast and easy. I have told all my pet owner friends about Pets Best. When your pet is ill your do not want to worry about what is covered, filing a claim and when will you be paid. The representatives I have spoken with are so knowledgeable and understanding.