Pets Best is great. Very straight forward - you pick the deductible and the amount per incident and they pay 80% of your bill, period. No age restrictions on you pet, I insured my 14 year old Lab, my 12 year old German Shepherd plus all of the other house pets. They are very affordable. Their website is great - can get a quote on line immediately, compare their different plans and costs very easily. I fax the claims in and receive the money in my bank account within a week. Great Customer Service. They are very responsive to both phone calls and e-mails. At one point I had 4 dogs and 4 cats insured (Got mulitple pet discount) for $178/month. In one 2 week period, Pets Best reimbursed me for over $2400 in claims. (for two of my geriatric dogs). I have definitely received more money back than I have paid out in premiums.
No one should be without Pets Best. I highly recommend it.