I have a male Boerboel who has had alot of problems. I did not even know that there was pet insurance until he tore his ACL completely in half and of course not having insurance at the time I had to pay for this out of pocket ended up over $3,000. The vet is the one who told about pet insurance and I checked into it immediately and found Pets Best to be the best plan for me so I immediately had Chopper signed up. Chopper has since had several surgeries to remove skin tags, he developed cancer in one of his toes last year and had to have it amputated. I submitted the claims to Pets Best and within a little over a week I had the check for reimbursement. This company is wonderful and I don't know how I ever went without pet insurance. It definately puts my mind to ease knowing if something goes wrong that my baby is insured. I have recommended Pets Best to all of my friends with animals, and told my vet about my experiences and he now also recommends it to other clients.