The primary reason I have Pets Best Insurance is to cover catastrophic expenses which may be unforeseen. However I wish they would underwrite preventive care and wellness to more reasonable thresholds. Nothing is more frustrating than getting $30 paid when you have $140 vet bill for wellness care. What is wellness care? A simple blood test annual wellness care looking for problems before they occur. Also routine vaccinations. I pay $720 per year or $60 per month and maybe I get back $200. They could do better and still make money. That is the reason for three stars out of five stars. The interface and claim submittal is extremely easy and straightforward using a smart phone. Log onto their website and take a picture of your invoice, answer a couple questions and awway you go...