Our baby has a variety of medical issues (Diabetes, Pancreatitis to name a few)and Pets Best has helped me every step of the way. This past claim was for routine check up and heart worm testing but most of our claims are for more extensive trips to the vet. I submit by mail and within a few days I am notified by e-mail of the status of my claim and I then receive a check shortly after that in the mail. I appreciate that I can talk directly to customer service when I call and not an automated system. Love you guys!!