Pets Best insurance has been great. Claims are paid quickly and the price is better for more coverage than the other companies offer. I am giving them 4 out of 5 stars instead of 5 for one reason. If you go to a veterinarian that offers package deals make sure that the invoice said Included for the itemization instead of shows $0 for that item. And make sure you specify when you put your claim in that it was a package deal and that the 0$ charges were included. I did have one instance where they did not cover a Rabies vaccine and another vaccine as well as a heartworm pill because the agent stated i was not charged for it. I was told they would review the claim when i called and to date was still not reimbursed for those things. That is the only problem i have had. Other than that they are amazing and i would highly recommend them to anyone that asks me about this company.