I got insurance a few months ago after someone on Facebook pet forum recommended it. I've nearly been bankrupt by vet bills before but insurance never seemed to cover much and didn't seem worth the high cost. Checked out Pets Best and their coverage was broad with few exclusions and even those could be overcome by a waiting period/doctor's certification. I got very affordable accident/illness coverage not knowing I would need it in a short time. One of my dogs had a stroke and collapsed and ultimately I had to let her go. We had been sent to a specialist and the cost was in the thousands. I was all ready to fight the Pets Best assuming they'd find a way out of paying. But I was wrong. They came through and paid everything the policy said they would. It took a load off of my mind in a very sad and stressful time. They also were able to pay the vet directly which was great and gave the vet a level of comfort so they could work with me on payment. Thumbs up and hearty thank you to Pets Best.