We went to our puppies first vet visit. The initial visit was $150. A vet coupon we had deducted $70 for the first visit and Pets Best covered another $75. All in all, we paid $5 for that first visit. No hassles, submitting the claim was done online. I took a picture of the bill and uploaded it to the Pets Best website. I was then reimbursed 2 days later via direct deposit. This was so easy and well worth it.