I have had all my cats insured by Pets Best for over two years now. I've used the insurance for both illnesses and emergencies, several times. My cat Bugsy has had some health problems since last October and had to go to the vet numerous times, including a trip to the ER. The claims are very simple to fill out, the process is quick and easy, the customer service is superb and usually within7 business days I get the money back deposited directly into my checking account by direct deposit. To this day, I have never had a problem with them... Never had a claim denied, a service that was not paid, a payment that was delayed... In fact, I don't think I was even on hold on the phone for over 2 minutes whenever I called in to talk about my plan or to check on a claim, which is rare nowadays. The claim is only one page long, it comes out of the computer almost completely filled out with my information, and all that is left to do is the vet to put in the diagnosis, date, sign and send it in, which can be done by uploading right in their site, by fax or by mail. They also have the option to pay straight to the vet if your vet accepts this arrangement, another nice feature I have not seen in other companies.
I had nothing but great experiences with Pets Best, and highly recommend the company to anyone who is shopping for insurance... It is a huge peace of mind to know my babies will always be taken care of whenever they need medical attention!