I have 3 cats, they all have PetsBest Insurance. It has paid for itself 100 times over. My male cat, Snowball, had to have bladdery surgery for bladder stones. The total vet bill was $855.00; my portion of the bill was $167, PetsBest paid $688. I have another male cat, Jake, who has hyperthyrodism. He has to have his blood checked every six months and is on a medication called Tapazole, one month supply of Tapazole is $44.25; I pay $10.00. I only pay 20% of the total cost for his bloodwork. I can go on and on, but just do yourself a favor, purchase PetsBest, you won't be sorry. You do your claims online, and they do direct deposit into your account within 3 or 4 days.