I never had pet insurance before this puppy. I am a long time insurance agent too, and really doubted if they would pay a TPLO claim for my baby. Just skeptical... BUT, I am happy to tell you we had no issue at all with Pets Best, claim handled, paid as stated in our policy... and we are THRILLED. Everyone there I spoke with or chatted with was so kind, and patient. VERY VERY Happy with this insurance!! Price is one of the best around too.