Pets Best has been such a great insurance for my 60 pound dog. They cover what they say and everything is clearly listed out for coverage/deductible. It's nice to be able to select deductible amount and reimbursement up to 90%. Getting a hold of customer service is very easy and they do everything in their power to help you to the best of their ability. The only reason this is not a 5 is because of the long waits for claims (42+ days). My dog had an emergency and it cost about $10,000 up front. Fortunately I was able to spread it around and get it paid but my total payment (before interest started accruing) I did call for updates and was repeatedly told up to 42 days until it was past 42 days and there wasn't a definitive answer. Waiting the time period for claim decisions should be moved up for 42 days - people that pay with credit cards need to get the funds before interest starts accruing.