We adopted four kittens - I knew I had to get pet insurance just in case all of them got sick. I shopped around and went with Pets Best. About two months after I got the insurance, one of the kittens broke her leg (we still are unsure how). Her rear leg bone was literally shattered. Thank goodness I had Pets Best! I had to pay upfront (almost $9k) as she had surgery and overnight stay along with meds, etc. I was worried about my claim getting denied because I was a new customer. Although it did take longer than expected, I got a check from Pets Best about six weeks later and they covered 90% after my $250 deductible. So it all worked out. I have been happy with them. They do take a long time to process claims and they will get more medical info from your vet, but I’m sure they are making sure everything is on the up and up. I was transparent about everything and all of my claims have been paid according to my plan. So be patient and expect to wait a month or more for reimbursement but they hopefully will pay your claim as mine did for my kitten.