I've had Pet's Best for my Border Collie for a number of years, I feel they were fair and generous in their pay rate (90%) on allowable charges. However, the rate on her insurance has gone sky high. $700 + per quarter is more than I PAY for insurance. In addition, there is a $5000 limit per occurrence and for routine ills, that is ample. But, for the very expensive things like injuries, that would only begin to cover costs. I have been fortunate to have a healthy dog who has only had some minor illnesses and no serious injuries. One of the reasons I got insurance for her is because she is a working dog, and accidents happen around stock like sheep or cattle. Fortunately, we have had no such accidents. If you have a younger dog who is fairly healthy, Pet's Best is a great insurance. For us, with a dog age 10, it is no longer within our means.