I've had Pets Best insurance for several years. In the beginning, we rarely needed to use it because our dog was healthy. As she's gotten older, we've started submitting more claims for injuries and illnesses. Their app and claims submission system are user-friendly and efficient. We've never had issues with her claims, and reimbursements are typically processed quickly. I would have given five stars, but the claims processing timeline can be inconsistent. Some claims are processed within 48 hours, while others take up to a month, with no identifiable reason for the delay.