i've had dogs my whole adult life and my dogs have always had insurance. From my experience, Pets Best is truly worth the investment bar none.
Don't waste your time with other companies, because I've researched and / or used them all. No other company provides the reimbursements that Pets Best does, not to mention the fact that I don't have to wait for a check to arrive in the mail - they offer direct deposit and process claims FAST.
If your animal has an issue, you pay a co-pay just like all the others. One huge difference with Pets Best is that if your animal is EVER seen by a vet for the same condition again, no co-pay is required. This is huge! The others make you pay the $50 or $75 co-pay each time there is an event. Pets Best really saves you money over the others.
They have great customer service as well. Additionally, if you send or fax in a claim and you think something was overlooked, they'll fix it. No problem at all.
Totally worth the money!