I was skeptical about purchasing pet insurance as I thought any kind of claim would be a long drawn out argument over coverage. Well, I am so happy I bought it. We lost a lab in the ER and had a $1000 bill. When we bought our new lab puppy I did not want to go through this again. I researched and found that Pets Best looked like a good option for us. Thank God I did. Our 5 month old lab puppy got sick and was throwing up. The vet said they believed she swallowed something and needed to do exploratory surgery. This had a $1400 price tag. I really had no choice. It turns out that my dog had not swallowed anything but was having issues with her food. I submitted the claim immediately and called to discuss the issue with pets best. They were always very kind and understanding when talking to me. I fealt like I was talking to a family member. I asked them if they could expedite the claim as quick as possible because I really needed that money back. After asking this by email the claim was processed by the next business day. I have never in my life dealt with any kind of company that was truely genuine and cared. I got almost all my money back too!!! This company is awesome! I will continue to keep my $20 a month plan for emergencies. It has been the best investment I have ever made! The only thing I wish is that more vets would do direct billing. It is difficult for a lot of people to front the money. Overall, I am very happy with them. I would highly recommend them!