After our dog wound up in the ER for swallowing a foreign object, we purchased Pets Best Insurance the next day and are very glad we did! Since purchasing the insurance, our dog has been back to the ER several times, been spayed (with complications and another ER visit with x-rays), as well as the usual immunizations. Last week she ate chocolate and got sick. Pets Best paid their portion minus the copay every time. The peace of mind is wonderful. THANKS!!!