My dog got ahold of a larger dog's dog treat and ate the whole thing. She was in the hospital for 24 hours and the bill was over $800. I am so happy I signed up for Pets Best. With my $100 deductible and 90% coverage I paid less than $200 for her treatment. What a blessing. In the past, I had VPI insurance for another dog and their benefits schedule was terrible. I like Pets Best because they pay based on what your vet bill is. I submitted my claim and about a week later they paid my claim and sent the money to my bank account. Their rates are also reasonable. I highly recommend them!!