When I got my dog 3 years ago I signed up for a different pet insurance. They hassled me over claims, were whimsical in determining what was covered and what wasn't, and took months to pay up. I got Pet's Best for my mother's dog. Pet's Best was such a comfort to my mother in the last difficult & expensive years of her dog's life. Every check she'd get in the mail just amazed her. I switched to Pet's Best for my dog and added my two fat 12-year-old cats. One cat just had an icky problem (I'll spare you the details) and the claim was processed right away--with direct deposit, I should have the money in the bank today or tomorrow. I'm telling everybody about Pet's Best. It's truly a comfort to have it.