We got Remmi when she was 2 months old (April 2013) a few months after our older bullmastiff had ACL surgery, which we didn't have insurance for. I researched numerous pet insurance companies and kept coming back to Pets Best. November 2013 we decided to sign up. Then to find out in January 2014 she has luxating patellas (yes both knees). February she had surgery on her left knee and the right one just this past July. We haven't been denied any reimbursement that we've submitted. Anytime I contact the team they have been the most pleasant, knowledgable and helpful group to work with. Simply amazing - thank you Pets Best!