I never had any problems or big bills with my cats I've always paid for their bills up to $600 I finally got insurance with a $1000 deductible for any major problems one of my cats needed tests and blood work which went over the $1000 and I was very happy with pet's best covering exactly what they said they would my only concern is I'm wondering if they can cancel me if I have other claims even though I've been paying Obviously I don't want any claims because I want my pets to be healthy but I'm hoping that They continue to cover my pets even if they have problems other than that so far my 1st claim I'm very satisfied