Strongly recommend this company - had a different insurance company for one year before and was not happy - they reduced the benefit on every claim. Pets Best has never reduced the benefit - have always paid the 80% on the covered expenses. They pay very promptly - always before my credit card bill comes due. We have been with them over 2.5 yrs (for 3 dogs). Our older dog has the big "C" now and we can afford to give her the best chance possible because of this insurance - thanks so much Pet's Best!!!