When I first adopted my dog as a puppy, I looked into pet insurance. I used this site and a couple of others when I started my search. After reading the reviews and talking to some other pet owners I decided to go with Pets Best, which I have had for 2 years now. After a couple of unforseen puppy accidents, including a surgery for a fractured foot bone, Pets Best has more than paid for itself. They have always processed claims very fast. I do not have the Wellness Plan, which covers routine care, so I don't have any experience with that part of the plan. The only reason I did not give the company a 10 was that my dog has gone in for a couple of gastrointestinal issues in the past, and the stool smear and visit is never covered. I understand not covering her annual exam and routine stool smear because I don't have the wellness plan, but I am taking her in for a gastrointestinal complaint (diarrhea, vomiting, etc.) and the stool smear is part of the diagnosis for the illness. However, it has never been covered. On the up side, I have never had any problems processing claims for other things, and the customer service is alway helpful.