In general, I would not recommend Pets Best. They take about one month to process a claim, and once the claim is processed, they interpret your claim to ensure that they only have to pay a minimum amount. We are paying for the highest dollar plan, with the additional well-being plan. We just got a puppy and knew that we did not want to worry about his health. If I were to break down the numbers, I would imagine the plan has covered about 20-25% of what we have expended so far. One caveat. If your vet only accepts Pets Best then it may be a viable option because that would reduce claim times. In addition, people say that pet insurance is most valuable when dealing with an emergency. That being said, we are going to look elsewhere after this year.