I just renewed my policy for my 15 year old cat. The first time I got insurance for her was a year ago. About 6 months ago she was diagnosed with kidney failure which requires me bringing her to the vet twice a week for fluids. Initially, the tests, hospital stay, and IV fluids was around $1,000. Follow ups and treatments brought the total closer to $1,500-$2,000. Each claim I filed was paid within a week and deposited to my account. After meeting my $250 deductible, they pay 80% up to $2,500 per illness (the basic plan). All payments were made without any hassles. The premium was well worth the cost. Customer service is very helpful and friendly. I highly recommend Pets Best Insurance. I went with the basic plan which had a very reasonable premium.