I have insured 3 dogs now with Pets Best since 2014- Unfortunately we have had medical issues with all of them- Pets Best covered all the treatments for 2 of them with cancer, and now one with epilepsy. We have full coverage including alternative treatments but not routine things such as vaccines etc. You should expect those costs in having a dog. The big unexpected costs come with illnesses and cancer. I have recommended Pets Best to several people. Yes the premiums get more expensive with age as expected, and sometimes reimbursement can be a bit slow but I still feel this is clearly one of the best insurances for your pups.