At first, we thought, pet insurance sure seems frivolous. Nevertheless, we opted to get the unlimited 90% reimbursement unlimited policy on our then 9-week-old English Bulldog. Fast forward four months and that now almost 7-month-old English Bulldog had a major medical emergency. Our baby got the immediate vital surgeries he needed to live a healthy life without hemorrhaging our finances. We did pay the Vet out of pocket for all of the procedures and waited for PetsBest to address the claim we filed. Reasons for the 4-star review: Filing the claim was easy enough; straightforward with one caveat. There was one question that asked if we had seen another DVM; we had not seen anyone for this emergency. We later found out they wanted to know all the DVMs that had seen our pup, including the already listed primary veterinarian provider. The other reason for the four stars is the lack of communication from a person. Instead, the app was in a holding pattern on claims "awaiting records from the vet", which they already had from the surgeon and emergency clinic we took him to; I called that clinic multiple times asking if they had sent in r3cords. If they had wanted vet records from my primary DVM, I thought they had already obtained permission from the policy start; hence why I listed my primary DVM as well as informed that DVM of the PetsBest policy. We had to call a couple of times to finally be told the primary DVM needed to fax records in so that preexisting conditions could be ruled out for a 9-week-old puppy we started the policy on. I will also add, don't be in a rush to have your claims settled. It took 42 days just to hear back about the claim. We are still waiting for the check. Yes, direct deposit could have been done but that section was not on the app when we opened the policy. This duration is pretty standard for any pet insurance policy. I understand, emergencies and the human stress associated. Get the policy, take a deep breath and trust your pet will get what they need and your finances will not be impacted for long. Overall, this was worth the investment. Don't think pet insurance is frivolous like we initially thought. PetsBest has been an asset. We have had other policies on previous pets and livestock so I can honestly say, PetsBest is the best choice for dogs and cats. Do your homework and compare policy for policy, as we did, and I am sure you too will choose, PetsBest.