My dog was stung by a bee last summer. Of course it was a weekend and the normal vets office was closed. He had a severe reacation and landed in in the animal ER. It was an expensive visit for us. I submitted the claim to Pets Best and within a very short time the reimbursement was in our account. When on a tight budget, you can not imagine how much it meant to my family to have such a fast turn around on a claim. I tell everyone that my pets have better health insurance than I do!!!!!!!!!