Pets Best's plan is very clear and easy to understand, and when our dog was attacked and needed surgery, the company delivered exactly what they said they would. In addition, the ability to submit claims online is very convenient, as is the ability to have the insurance money direct deposited into our bank account. I am so grateful to Pets Best. My only recommendation would be to get the higher per incident limit. The $2500 we got to cover the surgery was really helpful, but the total cost was $5500. Next year, I'll be getting the $7000 per incident limit.