I have had several Pet insurance policies, but they were not "universal". Pets best is fabulous. It will cover my animals not only in Colorado where I live, but elsewhere. The value is positively fabulous. I have had 3 claims this month, and PetsBest has paid them quickly with no hassle. They are professional, caring, and a delight to work with. They are underwritten by Aetna, which is my insurance carrier! What can be bad! I strongly recommend PetsBest for your pets health needs.