I rescued a senior dog and thought it might be best if I took out some kind of insurance on her because of her age and unknown medical history. Shortly afterwards, the vet found some tumors on her stomach which had to be removed. Pet's Best paid their portion without a hitch. The basic wellness package is great, also. The claims process is painless and the response is amazingly fast. I usually have a check within two weeks. I recommend them to all my friends and they have great things to say, as well.