I was a bit skeptic at first when I signed up for pet insurance. I didn't think I would use it or need it, man was I wrong! My Italian Greyhound Gutty got sick one day, bloody diarrhea, vomit I though he wasn't going to make it. I took him to the vet, he suggested a few test, shots, IV etc etc I placed all my trust in my Vet and in Pets Best. My budget is a little tight and really hoped Pets Best would deliver as promised and they did! they covered 90 percent of a $700 bill in a few days! It's easy to submit a claim and I'm reimbursed via direct deposit.Low deductible and low monthly payment.