My overall experience so far has been very good. I have two young cats/kittens and have them both signed up with Pet Best. I had my first experience using the claims process recently; it was very easy to submit the info using either the website or the app and was reviewed & processed within a few weeks. My only minor complaint is a small nuance in how the copay % works, the copay % is taken into account not just after meeting your annual deductible but also before meeting it (ie if you pay $500 towards approved/covered expenses and have a 10% copay, only $450 counts towards your annual deductible, the $50 is copay and doesn't count towards the deductible). I didn't fully understand this before signing up and assumed it worked similar to healthcare insurance, but overall had a good experience and will continue to keep my two kittens/cats insured with Pets Best.