I've had Pets Best coverage on my two dogs for the last three plus years. Unfortunately, I've had to submit a number of claims for accidents and illnesses. The claims process is online and easy. In each instance, the claims I've submitted have been quickly and fairly adjusted and paid. The money goes directly into my bank account and I've received emails detailing the payments. My entire experience with Pets Best has been very positive. I don't see how it could have been any better.