My dog was very ill and needed to be seen by the vet. There was lab testing and x-rays. Then all the medications. I spent over $500.00. I turned in my claim the day of the visit. Ten days later the reimbursement was back in my checking account. Pets Best is the easiest and fastest pet insurance I have used. I have had several dogs and used "other" pet insurance. I recommend this to all my friends and family.