WE had two dogs when we signed up for Pet's Best about 3 years ago. We were urged to do so by our daughter. Our Golden had been a rock solid healthy dog. During the first year she fell over suddenly with what turned out to be Immune Mediated Hemolytic Anemia...The treatments which were successful cost thousands of which 80% was covered by Pet's Best. They helped us save our dog's life on a premium of less than $400.00. Our lab did the stupid lab thing and while jumping up on the bed blew out one knee and then the other...again Pet's Best helped us save him paying 80% of not one but two TPLO surgeries. They also covered post op therapy...I now stop people on the street with puppies or young dogs and tell them to sign up immediately!