I am very happy with my choice of insurance for my Zoey. Although they will pay the Vet direct, there are none that will accept waiting for the payment. That makes it hard of people like me who doesn't have extra money to pay but so far there isn't a Vet that will wait for payment. I have excellent insurance through Pets Best Pet Insurance, I know my Zoey is covered from nose to tail for accidents, illness, etc. I also have Pets Best Wellness Insurance, which will help with all her vaccinations. Pets Best is my choice and I will remain with them to take care of Zoey.