After having a dog die unexpectedly, in 2020, despite spending $17K to save him, we decided getting insurance for our other boy was a must. When we got our puppy later that year we immediatly got him covered as well. I am very happy with ease of filing claims, and the communication from Pets Best. We have been happy with the coverage and the payment on claims. I gave only 4 stars as the premium for the older boy went up substantially in Jan 24 when he turned 10. I got a message explaining that it was determined based on overall claims (not his) and cost of the claims. Right now we are paying over $200 for the 2 policies, but after our experience in 2020 I am not comfortable not having coverage, you never know what could happen to the pets health.