I have had Pets Best for 4 years and haven't needed to use it much - until 2 weeks ago. My dog had a limp and was scheduled for an orthopedic consult. The day of his appointment, they decided they wanted to keep him for TPLO surgery. We picked Ronin up the day after surgery, submitted the documents online (so easy) and our claim was settled in 10 days. I couldn't be more pleased with my experience. Watching your pet suffer is stressful enough; having the peace of mind that I didn't really need to worry about money on top of it was priceless.