I have carried pet insiurance on my dogs for maybe 40 years or whenever VPI started. There was not much choice back then. In the last 10 years I havc switched to Pets Best. I believe it was recently bought by Aetna. I have 5 and 12 year old Greyhounds and another Greyhound who passsed away last year from chronic renal failure. There is nothing gimmicky aobut Pets Best.I had $10,000 in vet bills last year of which I paid maybe 25%. I have the policy that pays $7000 lieftime for an illneold has aobut run out of kidney ear ss. My 12 year old has aobut run out of benefits in that area. I tried to raise my younger Greyhound to a higher plan last year but was told the company declined to increase his isurance. If yu can tolerate the higher deductible per illness and get the $14000 per illness I think it is worth it if you spend money on your animals or would go into debt. at Pets Best payI also like ths the same for specialists becasue that is who both my dogs see now, an internist.