Pets best is okay, sometimes they make you fight for payouts, and more often than not they take a long time to process claims. I've had claims that I was clearly entitled to be rejected by their AI screening system. Which means you need to call in, and speak with someone who can then reopen your claim. The claim system itself is pretty horrible, my dog has an ongoing issue, it would be better if I could just make claims attached to the issue to expedite the payments. The bottom line is they do payout even though they try not to, though I strongly recommend against the wellness plan, unless you're insuring a brand new puppy, you are goign to hit the annual limits in one visit with the wellness plan, it's junk.