I was hesitant to get pet insurance because my 5 year old dog had always been healthy but my vet recommended looking into insurance just in case. After adopting another dog, I decided to sign them both up in February and I'm so glad I did. Both dogs had a rough year with gastro problems and I don't know what I would have done without Pet's Best. I had no problems with any of my (many) claims and the funds were deposited to my checking account in no time. I just got my renewal and I was pleased to see I wasn't "penalized" for filing claims. My premium didn't increase any more than reasonably expected (a few bucks a month). I have recommended Pet's Best to every pet owner I know.