I really did not think pet insurance was worth it as I had had VPI many years ago and had severe problems with their "lack" of policy, paying on time or paying at all for someone with a platinum plan. I cancelled and did not have insurance for many years. Within the past 3 years, I now have 3 new pets. I have to say that they are young and do not have any major medical problems, but they have had incidents. I email my claim form and bill to Vetsbest and it is processed literally within 48 hours. I can go to my customer portal and see what they have paid. I cannot tell you what piece of mind this gives me to know that as my dogs and cat age, I have a safety net to help me with the expenses. I recommend Pets Best to my doggie friends and to my customers. 5 Stars from me.