I've always been skeptical of pet insurance companies as I've been told for years that they never really pay when you need them. Because I have two large dogs, however, I carried the insurance for 3 years just in case.
Recently my 6 year old labradoodle tore his ACL and required surgery (very expensive surgery, I might add) and I'm happy to report that not only did Pet's Best pay 80%, but they processed my claim in 2 days. I couldn't believe how quickly I received payment! I can't say enough good things about this company, and would strongly recommend them to everyone.