I've had PetsBest for three months now, and it has already paid for itself. It pays for the expenses that I expect it to. I've seen some negative reviews that say they do not pay out, but I think this is largely people not understanding what is covered by their policy, or not understanding how insurance deductibles works. The wait times can be slow, around a month for accident/illness reimbursement, but that is what I expected. They do give you a processing window, and each of my claims have been reimbursed within that window. So far, I'm glad that I have PetsBest.