I signed my puppy, Malcolm, up for Pets Best and added the Wellness plan as well. He's now 4 months old and I submitted my first claim (for his neuter & a shot). My claim was processed very quickly and I was reimbursed directly to my checking account. My only complaint is that I had to resubmit my claim twice, but it's not entirely the fault of the company. I didn't understand that because there was a medication listed on my bill that was submitted (which was for pain after his neuter) that they were looking for a diagnosis on the claim form as well as the neuter and bordatella shot. I called customer service and they kindly explained it to me and we got it all sorted out. The customer service rep was very nice and professional & even after having to submit it twice it still took less than a week for me to be reimbursed. I would definitely recommend Pets Best to my friends and family.