My maltese has been covered with PetsBest since he was about 2. I decided to look for insurance after he was attacked by a German Shepard and I had to foot the bill! It was over $2000! Im almost done paying this bill and decided after that incident to never, ever go without pet insurance! The monthly cost is minimal, compared to what I spent on his injuries. Ive used them 3 times, one claim wasnt covered because it was considered preventative (he had contracted ghardia(sp?)), and then 2 more times because he had gastroenteritis. Those claims were paid for. It did take a little time to get my reimbursement check but no more then what they state about 10-14 days.I found the claim forms easy to complete and simple to understand. I did everything via email, and fax. Overall, Im satisfied with them and would recommend them.