When I brought my 9 week old standard poodle puppy to West Valley Pet Clinic I was a real "newbie" to the wold of dogs, not having had a pet since Imwas 10 years old. My vet recommended Pets Best and, boy am I glad I decided to join! The claims process is very easy - the vet office files for you. Within a day or so you get an email stating that the claim has been received. Another day or so sending you a statement telling you how much is covered and that the check has been mailed. Never have I had a dispute and I have never had to spend any time on dreaded paperwork.