It was very easy to get started 2 years ago, and pricing was great. There is always transparency about what's covered vs not, and I've never had any major problems with this insurance. My only regret is that I didn't have it a year sooner, when my cat had pancreatitis. That ER bill was $11,000 and having Pets Best would've saved me 90% of that! However, one minor issue I've had with Pets Best is when I submitted claims for Epakitin specifically. My cat was diagnosed with kidney disease last year and the vet prescribed the Epakitin supplement as one of the necessary treatments. While supplements aren't covered in general, Epakitin is listed on the covered medications document. However, this year, almost every claim I sumbitted for the Epakitin was rejected at first. Even when I submitted proof of the claim being accepted the previous month. I had to call and ask them to review it again and then it would be accepted. Minor, but still very annoying to go through every month. Besides that, great service. I would definitely recommend and give them a 4.5/5.