Pets Best Insurance is great health insurance for your pet. It cost just as much for a pet to visit a vet as a person to visit a doctor. I can tell you I would be broke, if I didn't have this insurance. Its well worth the price. You can get reimbursed or paid to the vet. In this case it took a little longer to get the claim settled because they had an extensive amount of claims but, I still got mine within 10 day.