I have had Pets Best insurance for 3 months for my Yorkie (6 months old now). I opted for the Best Wellness plan and they truly do reimburse you with 2-4 days of submitting a claim. Plus submitting a claim is super easy on their website. My net out of pocket at the end of the year (right now) is only $58 from the costs they reimbursed me (from her spay, shots, etc.) My dog also had a little accident in which she needed stitches. Pets Best reimbursed me 3 days after I submitted my claim. Its definitely no hassle. I always thought insurance policies were a scam (for people too) but I would recommend insurance to anyone who has a dog. Very reliable, fast, easy to use, and you have the comfort of knowing they will reimburse you 80% (after your deductible) in case your pet has a serious ailment.