Have been using Pets Best for about 9 years and have looked at other insurances. For the price Pets Best is reasonable and their policies are easy to understand. Warning: As the animal ages, the price will increase (but so will the likelihood of your pet needing expensive procedures and medication). Before entering a claim, be sure that all of information on the bill is correct; because the claim will be denied for any discrepancies. If it is denied, call customer service and find out why specifically the claim was denied and be sure that you it fix the discrepancy promptly. They are a little slow reviewing and paying out claims but I don't know if that would be any different with another insurance company.