I did my homework on pet insurers available in California and these guys have the least fine print and "gotchas". If you are seeing prices that seem too good to be true, THEY ARE. Terrible experience with a lower-cost provider who shall not be named (based in PA). Fine print is very well hidden with a lot of these providers but Pets Best stands behind what they promise to deliver. Love love love the quickness with which they pay claims. Had a super expensive bloat claim right after signing up and they paid it... FAST! Colossus and me thank you!