When we adopted a 6 y.o. rescue, we decided to get Pet's Best health insurance. This was the best decision we could have made. Just 6 months after we had her, she became very I'll and needed to have an infected kidney removed. The costs for all her care without insurance would have forced us to decline treatment and have her put down. BUT, we were able to have the surgery and our $7,000. bill was only $2,000. after the insurance reimbursement. Two years later, she is healthy but we keep the insurance in place because you never know what can happen. ALSO, they pay you within a few days of your claim. This was truly a lifesaver for our little yorkie.